BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Bank ending account number ****XXXX  statement attached, reports a balance exceeding {$10000.00}. My credit limit on this card is {$3500.00}. The statement reflects a payment of {$6600.00} and during that same time period there were transactions on this account of {$16000.00}. I did not make this {$6600.00} payment nor did I charge over {$16000.00}. This card is being used fraudulently. I have contacted Capital One and notified them of the fraudulent activity, however I have not been successful in getting this issue resolved. Consequently, I am being taken to collections for the outstanding balance due on this credit card. I did not use this credit card nor did I charge over {$10000.00} on this credit card. I respectfully request that Capital One Bank reverse these fraudulent charges and stop the collection proceeding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, I recieved an email from paypal, telling me my account is temporarily limited, and that they need me to take action sending some documents, ( I want to clarify thet I sent everything they asked for at the beggining, and that my account was up to date ) I inmediatly got to it and sent everything they asked for and took all the actions that they required me to do. 
At paypal webpage, there's a red flagged message that tells me I need to take action, I clicked on it, there were two buttons, that said resolve in front of each action, the first one was uploading the documents, and the second one said " Confirm your information '' I sent the documents en clicked on resolve, then I clicked on the second resolve button " confirm your information '' The page sent me to a message page that said that they are gon na take up to 10 days to check the info and make a resolution. A month passed by and I kept recieving the redflaged message, and whan I click on it it takes me to same same page where one resolve button is activated ( as if it's completed ) and the other one that says confirm your information, was still active, when I cliked on it, the same thing happened, it sent me to the message that says they are gon na look into it.

I tried to contact them in many ways, I even chated with to a couple of costumer service people that couldn't help me at all, they were evasive with their answers.

Its been 2 months now, and my account is limited, I can't use my money, and they keep sending me emails telling me to take action, I sent everything again, and there's no answer, there's one change now, when I click on the resolve button ( confirm your information ) it redirects me to a message that says that the problem is solved and that my account is back to normal, wich is not! It's still limited and the red flagged message keeps on showing and asking me to take action, when I click on it the only option avaible is to confirm my info, and when I click on it it says everything is back to normal.

This redflagged message in my paypal 's dashboard keeps saying that they are gon na limit my account even further on XX/XX/XXXX, if I don't send the documents that I have allready send 2 months ago. 
There's no response from them, they keep telling me that they've escalated my concern, but they won't fix the problem. It's like a system glitch that got stuck in a loophole, that paypal doesn't wan na fix. I have lost lost of services and others because of this situation, our work is affected directly by this negligence from paypal. 
I want my account back to normal and acces to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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 2023-03-16
Company: Experian Information Solutions Inc.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-26
Company: EQUIFAX, INC.
State: CO
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:
We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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:
XXXX XXXX is incorrectly reporting a balance of {$400.00} on a line of credit I had with them. The credit limit is {$400.00} and has been exceeded by the {$7.00}, but I personally secured {$200.00} of thw {$400.00} credit linit with my own money. Since they have reported the account as a charge off, the balance due is not {$400.00}, they should either credit the {$200.00} that I personally secured to the due {$400.00} and which correcrly leaves a balance due or return my {$200.00} I paid into or secured within the {$400.00} credit limit. Either way, the correct due balance is {$200.00} not {$400.00} for reasons I've previously mentioned. XXXX XXXX must correctly report these corrections to all three credit bureaus immediately as incorrectly reporting this account damages my credit and quality of life.

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 2019-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Chase again about either stopping all contact with me or about a mortgage. I spoke to XXXX who transferred my call to their XXXX dept. The XXXX dept refused to accommodate my XXXX and transferred my call to their abuse line because I had asked to be accommodated as a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

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 2018-07-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted via mail on XX/XX/2018 by XXXX XXXX XXXX to collect a debt on behalf of creditors XXXX XXXX XXXX XXXX XXXX. This debt was disputed on XX/XX/2018, citing I did not owe the debt. I requested that XXXX verify that I owe this debt in accordance with all state and federal laws within 14 days of receipt of my dispute. I heard nothing from XXXX until XX/XX/2018, and there was no debt validation or any information proving that I am responsible for this debt. I disputed their claims a second time via mail on XX/XX/2018, requesting that they evidence proof of the alleged debt, including alleged contract or other instrument bearing my signature. I did not receive any information that was requested to evidence my responsibility for this debt, yet this inaccurate account has been added to my credit file on XX/XX/2018. I disputed the account a third time on XXXX XXXX, continuously asking XXXX to verify this account. On XX/XX/2018, I received a letter stating that the debt was verified. Under the Fair Credit Reporting Act, I feel that my rights have been violated by XXXX because they did not correct, delete inaccurate, incomplete, and unverifiable information pertaining to this collection account. I specified that I would like to see the original contract, bearing my signature, accompanied by a photocopy of my Identification to verify that I'm responsible for the debt. I received nothing besides a letter that states it was verified, without evidence, which is highly questionable. I feel that XXXX  have violated my rights according to the FCRA. It is my hopes to rectify this amicably before It would result in legal action against XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
US Bank closed my account 2 months ago. Had to do with a bad check and it was never deposited. I just want the remaining funds in my account which after two months they haven't released. They said they are concerned about {$3200.00} XXXX cashier 's checks ( about {$2400.00} currently in US Dollars ) and said it could be recalled up to a year. My response was fine, so release the rest of the funds. They won't so I'm filing a complaint. 

My name on the account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-09-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a 100 % XXXX military veteran that is being taken advantage of after repeatedly informing Wells Fargo the mortgage servicer that Im sick and am dealing with various physical and mental health issues. My wife who is also a veteran has been caring for me and the family as a home maker. They approved a payment deferral plan but put in a lawsuit to foreclose on the house anyway back in XXXX of XXXX. There was approvals for the extension within the 3 month timeframes but they acted in bad faith anyways. They agreed to add the arrears to the end of the loan extending the term. When it came time to discuss repayment options they did not want to fulfill their obligation that was agreed upon but instead qualify me for a loan modification. I contacted them frequently staying in constant communication with updates. A letter dated XX/XX/XXXX by Wells Fargo stated that I was approved for a short sale but not eligible for other repayment options. I called them to appeal the decision. Then XX/XX/XXXX I received a letter from Wells Fargo stating that our account is not eligible to be reviewed for assistance and they were continuing the foreclosure process. We got a letter from the XXXX XXXX for the XXXX XXXX XXXX in XXXX XXXX stating XX/XX/XXXX that the court previously entered a final judgement of foreclosure XX/XX/XXXX and is rescheduled to take place on XX/XX/XXXX signed and ordered by the judge on XX/XX/XXXX. My housing situation has changed with my son and XXXX grandchildren moving in after XXXX because rent prices spiked 60 %. Not only do I have more dependents but my financial situation has changed with more rental income. Now me, my wife, children, and grandchildren are in danger of being homeless because the mortgage servicer Wells Fargo greedily wants to short sale and foreclose on my home which has $ XXXX equity instead of providing the repayment option that makes the most sense. There is no reason they should not honor the appeal and add the arrears as an extended term of payments beyond the XXXX year mortgage.

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 2021-09-23
Company: JPMORGAN CHASE & CO.
State: CA
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/XXXX I made a reservation with the XXXX XXXX XXXX XXXX for the nights of XXXX. In the process of making the reservation I went to the site of reservations.com ( XXXX ) due to their misleading listing at XXXX and their the primary position of their listing. I realized it was not the hotel after I had put in the dates and stopped the inquiry. On XXXX I realized We also needed a XXXX  for XX/XX/XXXX and again mistakenly went to XXXX. I put in the night of XX/XX/XXXX and completed the transaction. The next thing was an Email from XXXX saying I had reserved for XXXX and that it was non cancellable. I did not and would not have made a XXXX  for those nights since the XXXX  I had was for {$300.00} less. I also would not have knowingly agreed to a non cancellable XXXX  given XXXX and our ages and in fact due to heath problems we had to cancel the trip. I asked Chase Visa to reverse the {$1300.00} charge in 2 submissions. and supplied them backup. In the second I advised them that as of XX/XX/XXXX no reservation had been made by XXXX at the hotel. This over 2 months after the supposed XXXX  was made and 6 days before our arrival. Chase Visa 's response was to deny and attach XXXX 's Reservation form. They never responded to the allegations I made and I believe they never read them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EdFinancial Services
State: PA
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:
On XX/XX/XXXX, I was notified by my student loan servicer, Edfinancial, that my grace period for my student loans was ending and that I would start to make repayments on XX/XX/2023. The problem with all this is that I am enrolled as a university student. Ever since that notification, I was back and forth with my university financial aid office and they gave me information and advice to contact my servicer directly and explain my situation. My financial aid office added that most likely my servicer would want me to fill out an XXXX XXXX XXXX XXXX to then take to my universitys registrar office but it was most important to contact them directly so they know of the error. I have tried via email, phone, and even live service chat over the course of the past several days but no one ever responded. The wait times for phone were astronomically long, going over XXXX hours. At XXXX point I was waiting for XXXX hours to see if an agent would pickup. Email was ignored for the most part and I didnt get a response in roughly XXXX days. Live service had no agents and multiple attempts of getting chat tickets would lead to the same result of there being no agents. XXXX still trying to get in contact with my servicer to tell them of my situation that is most likely a mistake on my servicers end but it has always ended in no contact ever being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EVERBANK, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good evening. I would like to submit a complaint regarding the way TIAA bank handled my mortgage buyout. I did not authorize this buyout and I wanted to stay with my lender and mortgage company XXXX XXXX out of XXXX  XXXX. This FL company bought my mortgage out and did not send me any confirmation and all the calls went to my XXXX spam account for fraudulent numbers. I did not know they were buying my mortgage, because I work on the road and was not home, and when I finally figured out they did buy it I was hounded on the phone for over {$3000.00} dollars. I told them my mortgage company was XXXX and they did not care because they needed me to pay my late fee and my 60 day late notice. I paid everything in lump sum and moved on. I did not receive any mail and I did not know what was going on. Please help me take off this 60 day late notice off my credit record so I can get a good refinance on my house and an equity cash out to help fix some of the renovations. I paid this TIAA bank in full and we moved on BUT I did submit a claim with XXXX  and I complained to the TIAA banking manager numerous times to help me take the late notice off my record. I have not missed any mortgage payments since and I am always on time with all my payments. I need my credit record cleaned up because this TIAA bank will not help me and they are making it very difficult. Recently they just changed my account number to a new website/sister company and it is even more difficult to just work with this company. I am changing my mortgage over to a new lender but I do need my credit score fixed before I do so. Thanks for all your help and hopefully we can resolve this.

Company response to consumer: Closed with explanation