BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In XXXX a purchase was made to XXXX XXXX XXXX to purchase wholesale XXXX trees in the amount of XXXX. The trees were sent via semi truck freight. 166 trees were missing from the order. We contacted XXXX XXXX and she refused to deliver the remaining trees and hung up. I disputed the charge with capital one. They received a invoice from XXXX XXXX. I verified and uploaded the actual bill of laddel from the trucking company that showed the trees were ordered and paid for however 166 trees were missing. 7 ft trees which is clearly indicated on the bill of laddel and signed by her Forman and the driver. Today Capital one re billed the amount to my credit card without even reviewing my documentation on no delivery. A bill of laddel is a legal document freight drivers must have and it clearly shows it was shorted 166 trees at XXXX dollars per tree XXXX which is what I disputed. Im disappointed in capital one that they didnt even bother to give me the required time to show my proof before they placed it back on the card. I was notified on Monday that she responded with a invoice with no signatures and no proof of delivery so I gave them them the shipping laddel and witness statements the same day. They didnt even review them. Im not sure if the process they are required to follow but I have written the dispute and shown clear evidence of not shipment of items. Capital one has not even gotten me the info a letter sent to me before they even sent me a notice to continue my dispute they just charged the card back. Why dont they wait for evidence before they charge the card back? XXXX XXXX XXXX has not provided a billing laddel or proof of delivery of any kind. Additionally the owners of the store they were being sold at signed a statement showing it was not on the truck which I have attached also. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, 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:
My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately -XXXX Outcomes {$500.00} Opened XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Central Portfolio Control Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter and sent it certified ( XXXX ) asking for a breakdown of charges on the account and the letter came back to me ( return to sender ) from USPS. I would like a breakdown of the charges on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions 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:
My compliant is against all 3 Credit bureaus, Experian, XXXX   and XXXX. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.

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 2017-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank took my {$1000.00} from XXXX XXXX then froze all my accounts and funds while they " verified '' that they already stole my money. Absolute thieving XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The issue began with XXXX XXXX XXXX XXXX reporting an erroneous collection to the credit bureaus. They claim to represent XXXX XXXX XXXX whom I had a tenant contract with. Due to multiple serious violations and complaints, I was given the authority to terminate lease early and stated as much in an email from the then property manager I could do so without penalty. Subsequently they cut off communication to me. I sent a certified letter to the address in the lease regarding my intent to vacate. Rent paid until the day I vacated. They not only received my letter, but then claimed to never have received it. Evidence from USPS supports this. They did purposely and with intent to harass me. This same manager was convicted and sentenced to Federal prison late last year for fraud among other charges. XXXX has removed this account as no documentation supports this purported debt. XXXX is in the process of removing it also. Experian refuses to provide proof or delete it.

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 2020-09-25
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Harvard Collections ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and these companies haves failed to comply with FCRA reporting guidelines for Fraud/ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I HAVE BEN STRUGGLING WITH NAVIENT FOR ALMOST 2 YEARS IN TRYING TO GET MY STUDENT LOANS ( FORMERLY XXXX XXXX ) DISCHARGED THROUGH XXXX. 
ALL OF MY FEDERAL STUDENT LOANS HAVE BEEN DISCHARGED SINCE LAST YEAR AND NAVIENT IS VERY UNWILLING TO ASSIST ME, OR DO ANYTHING TO HELP MY FINANCIAL SITUATION. I AM LEGALLY XXXX THROUGH SOCIAL SECURITY AND HAVE A LETTER TO PROVE THAT BUT WHEN I GOT MARRIED IN XX/XX/2016, I LOST MY SSI BECAUSE OF THE MARRIAGE PENALTY ACT. 
CURRENTLY MY BROTHER WHO IS A CO-SIGNER ONLY ON MY LOANS IS STRUGGLING TO MAKE PAYMENTS ON THEM WHILE SOME HAVE DEFAULTED AND HAS CAUSED MY CREDIT TO SUFFER WHICH IS CAUSING ME GREAT STRESS AND XXXX AND EVEN WORSE, MY HEALTH IS DECLINING RAPIDLY DUE TO ALL OF THIS. 
NAVIENT IS UNPROFESSIONAL, UNCARING AND MOST OF THE TIME DOES NOT RESPOND OR RETURN CALLS OR GIVE YOU CORRECT INFORMATION. THEY WANT MY BROTHER TO KEEP PAYING BUT HE CA N'T AFFORD TO AND IS VERY UPSET THAT HE HAS HAD TO PAY SO MUCH IN THE PAST TO SAVE HIS CREDIT. MY XXXX ( XXXX XXXX XXXX- XXXX ) IS ONE OF ONLY 4 LISTED AS COMPASSIONATE FAST TRACK FOR BENEFITS BECAUSE OF ITS SEVERITY AND NAVIENT NEEDS TO ADDRESS MY ISSUES AND DISCHARGE THEM LIKE THE GOVERNMENT DID OVER A YEAR AGO. I CAN SEND MY XXXX LETTER BUT WILL NOT GIVE THEM EVERY PAGE OF MY MEDICAL HISTORY BECAUSE IT IS NONE OF THEIR BUSINESS WHAT I AM XXXX FROM AND IF THE SOCIAL ADMINISTRATION LETTER PROVING I AM XXXX IS N'T ENOUGH FOR THEM I WILL SUE THEM UNTIL I XXXX I AM SO ANGRY WITH THEM. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: SUN LOAN COMPANY 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: Old information reappears or never goes away

Complaint:
The lady at sun loan gives me a negative remark monthly. Has for 5 years. First off 5 years is long enough take off my credit already! Second stop adding charges that is uncalled for! Stop trying to be relevant and staying on my credit because your bitter or unhappy or power trip honestly I dont know but it needs to stop. And the original loan wasnt {$200.00} it was {$100.00} so that's incorrect there. I didn't get {$200.00} so where did the other {$100.00} go? On top of payments had been made. Maybe not all but some. I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2020 {$320.00}

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 2022-03-08
Company: Foris DAX, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In XXXX crypto.com sent me an email regarding my visa card transactions, they asked me to send them information such as bank statements, proof of income, and explain my transactions. I responded to the request on XX/XX/XXXX. On XX/XX/XXXX my account was locked, and i was informed by rep that it was due to me not responding to the email in XXXX ( i have proof that i responded ) so now my crypto and my XXXX money that was sent to my account via ACH bank transfer, have been held hostage by crypto.com since the XXXX of XXXX. Since then I have communicated with a " special team '' via email and they keep asking for more personal information and asking for evidence of how I spend my transactions. I've given them everything they needed and my funds over {$7000.00} have not been released. I've requested for them to outline the steps to release my funds and close the account and I have not gotten a response from the " special team '' since XX/XX/XXXX. They seem to be getting more quiet and less commination is happening after i have expressed how uncomfortable and frightened i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Westlake Services, LLC
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: Problem with personal statement of dispute

Complaint:
on XXXX I mailed a certified dispute letter to XXXX XXXX., on XXXX they received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they 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 in dispute by consumer disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in regards to XXXX credit reporting agency. I just checked my XXXX credit report and noticed that there investigation was completed and the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts that were showing as deragatory were finally deleted off my XXXX credit report. ( I have been disputing these 2 accounts for months and finally it has been confirmed to remove them off my credit report because they did not belong reporting on there ). However XXXX is still reporting this wrong information. I have tried numerous times to contact XXXX and re-dispute these 2 accounts but keep getting transferred back and forth. I wrote into XXXX to dispute these accounts again but have heard nothing back. If XXXX was able to confirm to delete these 2 accounts that do not belong on my credit reports then why is XXXX  avoiding the complaint and just keep updating the information and reporting it. Having this wrong information reporting is affecting my credit score in a very negative way which in turn is affecting me in obtaining substantial credit.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2018-01-18
Company: Colony Brands, Inc.
State: VA
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 reached out to XXXX a many time to remove there negative reporting on my credit report I was told after I paid my charge off they would remove from my credit report which have not done as promised

Company response to consumer: Untimely response
Consumer complaint received 2021-10-19
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my report and noticed 17 Credit transactions and accounts being reported inaccurately. i called the company ( Early Warning ) XX/XX/2021 and asked them to correct the inaccuracies. They refused to do so at that point i asked them to exclude my name completely from their List as my right per FCRA Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681B Subsection E. I wrote them a letter to notify my Election of Exclusion 10/18/2021 and they have yet to Respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two accounts with XXXX XXXX XXXX XXXX XXXX. Both accounts start with the account number XXXX. One had a high credit of {$100.00} and the other has an existing balance of {$370.00}. 

I submitted a dispute to have the {$100.00} high credit account updated to " included in my bankruptcy ''. The XXXX account with the {$370.00} was NOT included in my bankruptcy. I disputed that one to get the " affected by natural disaster '' updated for my late payments in 2020. The bureau didn't get anything right. 

They did not put the bankruptcy notice on the {$100.00} high credit account and they DID put the bankruptcy notice on the {$370.00} balance.

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 2020-09-25
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased a home with an existing loan from MR COOPER Obtained Payoff information on XX/XX/2020 Home closed with a General Warranty Deed in XXXX XXXX, North Carolina, all cash on XX/XX/2020 A check from the closing attorney was issued XX/XX/2020 with the loan number written on it, and was confirmed deposited from the attorney 's trust account As of today, MR COOPER has not cleared the lien, and is actively trying to collect on this account ( another $ XXXX ). 

We are trying to sell the home, but the new buyers can not obtain title insurance due to the lien still being on the home Me, the homeowner, and the closing attorney, have spoken to Mr Cooper 2-3 times per week for the last 6 weeks trying to resolve this, but they have refused to clear the lien and are trying to collect payment from me, even though they have admitted that they have " lost the deposit ''. 

This money has been stolen, and I need this investigated asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was selling my purse through the app called XXXX. The name XXXX XXXX she said she was interested in my bag send me emai and text message she said shell send me a check amount of {$1900.00} and the rest of the money send it to her daughter through XXXX. It was XX/XX/2020 I deposited the amount of {$1900.00} payment for my purse was {$630.00} and the rest of the money I send it to XXXX after a 2 weeks my checking account was overdrawn {$1800.00}. Please please I need your 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 2019-04-30
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 my bank account was compromised which included multiple account modifications like adding mobile banking, wire transfers, and attempted use at XXXX XXXX, and adding the Zelle service. Because the {$1500.00} Zelle transaction was last, I received a fraud call in regards to a plane tick

et/travel notice I had not made. Everything was resolved swiftly on my bank but I was not aware what Zelle was til this occurred. After probing it was added to my account and in use within a few minutes of me inquiring about it. While I was contacting my bank I saw multiple attempts at transactions so I hopped to Zelle 's support to stop the transfers or find a way to report it, which their support " Please contact your
bank or credit unions support team directly for help. '' I was lucky that my fraud prevention team cause this quickly, and stop the transaction before it was processed as otherwise, it would have been a bigger headache to dispute as the charges appeared to have me " initiating it ''. I'd like the report the lack of security on their behalf because I'm not sure how to close the account I never made, and have seen other customers reporting similar behavior except they were not reimbursed or had any resolution.

-Not filing a complaint with XXXX, but only have their notification of when it initiated Zelle service . ( I have not been able to resolve or determine anything from Zelle 's support after 2 days, may take more time )

Company response to consumer: Closed with explanation