BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XXXX of 2011 I filed chapter XXXX, i had a secure credit card with Capital One for {$500.00}. I had a XXXX  balance when i filed for protection under the XXXX. Capital One Closed my account and when i called them to verify the closure of the account they said that they would refund my Deposit of {$500.00} after my XXXX concluded. 
My XXXX has concluded and when i contacted Capital One i was informed that the only way for them to refund my money was to have the Trustee or my Attorney write a letter and request the refund. 
When i asked why i was never given an acceptable response other than " company policy. '' Now i will need to pay my attorney to write a letter and the cost will probably be half of the deposit refund. 
although i can provide Capital One with the court docket showing the Filed and Entered statement as Chapter XXXX is closed they would rather make it more difficult to get my money back. They charge 29 % interest on the money i would use but i wrote them a letter asking for the same interest that i would have paid them included in my refund. 
I am writing because i am tired of these companies taking advantage of consumers and by having the CFPB investigate and publish this accounting there just might be one consumer that will close the account and request the refund, or have it paid to the trustee as an asset. The card was listed on my creditor list disclosure however the balance was XXXX so there was no liability. 
The reason for the Chapter XXXX was to stop the foreclosure process on my home, i had requested a workout from the lender, XXXX XXXX XXXX, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2019 I disputed with BoA 3 XXXX transfer transactions from XX/XX/2019 ( 2 transfers for {$1000.00} and 1 transfer for {$500.00} all to recipient XXXX ). In total {$2500.00} has been fraudulently transferred from my BoA account and the bank has refused to put the funds back. BoA opened up a claim and their initial and 2nd response was that the transaction was authorized because it originated from my device. 
I have never authorized those transfers and I do not know who XXXX is and how they were able to access my device and make the transfer. 
According to your statement posted online : https : //www.bankofamerica.com/XXXX Using XXXX in our Mobile Banking app is a fast and efficient way to send money to family and friends. We verify your enrollment with a code and also provide transaction alerts for new payees, password changes and other potentially suspicious activities. Plus,  youre not responsible for transfers you don't authorize. 
Since I have never authorized those transfers I request that BoA returns the {$2500.00} back to my account. 
I have been obviously a victim of an elaborate fraud and I do not understand how this act of theft can be seen as authorized ( because it came from my device ). The bank is playing with semantics and refuses to put the funds back.

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 2020-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Claim No. : XXXX Claim related to checking account ending in : XXXX Dear Sir/Madam : Im writing to complain about Chases refusal to refund my funds in the amount of {$1200.00}. On XX/XX/XXXX, I transferred {$1200.00} to XXXX ( retail trading exchange ) planning to use fund to trade. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase since I didnt use the fund. However, I forgot that my Chase account has been closed since XXXX, XXXX. Upon closing this account, I opened a new account with Chase. 

When I first learned my funds was missing, I contacted Chase. I was told by Chase supervisor nothing can be done about my problem and was advised to contact XXXX. After Chase and XXXX had me run around, Chase finally opened a claim. On XX/XX/XXXX, Chase temporary credit {$1200.00} and removed that amount from my account on XX/XX/XXXX. Chase Customer Claim Department ultimately declined to refund my funds {$1200.00}. 

The issue is that Chase claimed that the bank has never received money from XXXX and XXXX claimed that the money was never transferred back to XXXX from Chase. Since XX/XX/XXXX, my funds of {$1200.00} has been mysteriously disappeared. I have been trying to resolve this issue with Chase since XXXX but it was unsuccessful. As a result, I have no choice but to file a complaint. Please see the sequence of what transpired and attached are copies of my records : 1. On XX/XX/XXXX, my funds {$1200.00} was transferred from Chase to XXXX. See XXXX, XXXX bank statement. This account XXXX has been closed since XXXX, XXXX ; 2. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase account XXXX leaving XXXX balance in XXXX account. See XXXX Account Statement dated XX/XX/XXXX ; 3. On XX/XX/XXXX, a letter from Chase temporary credit {$1200.00} to my new account ; 4. On XX/XX/XXXX, a copy of check issued to me by Chase in the amount of {$1200.00} ; 5. On XX/XX/XXXX, a copy of email from Chase Customer Claim Department temporary credit {$1200.00} and opened a claim. The Claim No. XXXX ; 6. On XX/XX/XXXX, XXXX bank statement shows {$1200.00} check was deposited ; 7. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00} on or after XX/XX/XXXX ; 8. On XX/XX/XXXX, XXXX transaction page shows Chase withdraw {$1200.00} on XX/XX/XXXX ; and 9. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00}. 

To resolve this problem, I propose Chase to issue a check to me in the amount of {$1200.00}. I believe its right to claim my funds that has been mysteriously lost. I look forward to hearing from you soon and appreciate for your help. I can be reached at XXXX XXXX XXXX XXXX or email at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: Credit Expert LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed on with Credit Expert LLC in XXXX of 2020. I have been charged {$39.00} monthly since then, for a total of {$190.00}. 

Credit Expert LLC has a full copy of my credit report, but also requested access to my XXXX XXXX profile and XXXX  login, which I did not feel comfortable with. 

They stated that they have filed two " rounds '' of disputes. I have not had any deletions, and therefore, to my understanding, this company is in violation of the Credit Repair Organizations Act which prohibits Credit Repair companies from charging upfront fees prior to delivering deletions. 

Additionally, in a recent CFPB action against a similar Credit Repair company " XXXX XXXX  '', the Telemarketing Sales Rule restricting upfront fees was also invoked. 

I have requested a full refund from the company which they have refused. They mention the " work '' they've done and the rounds of disputes, but there are not any results. 

They created a client portal and requested that I fill out a creditor sheet, but I did not have time to do this nor should this have affected their ability to effectively dispute on my behalf. 

If they aren't able to accomplish deletions, I accept that, but I should not be charged or denied a refund if they have not been able to accomplish any meaningful benefit for me whatsoever. 

They did agree to refund {$39.00} from the previous month, which I had requested that they not pull 3 days before the due date, and they pulled anyway. But, they have declined to refund the payments since XXXX. 

This still leaves {$150.00} that I am owed. 

If they had accomplished even one deletion, I would not be requesting this. But they have charged me upfront before any results were delivered. I believe that they were just trying to string me along with monthly payments. 

I am requesting that this company refund the payments that I've made since they were charged upfront before any results were delivered. I felt that 5 months was long enough to at least see some kind of accomplishment, or even one deletion, if they were able to do what they claimed.

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 2022-08-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Mastercard- I am unable to sign in to my account or make a payment on through their XXXX website. When I call, they can not find my account and therefore I can not make a payment. They have sent me two statements during this time, so my account is somewhere in their system. My amount due has doubled even though I am unable to pay since they are unable to find the account to attach the monies. 

I had fraud on the account and I am unable to see if those charges were reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance. 3. Court Order. 4. Employm
ents.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX Dated XX/XX/XXXX( XXXX ) 4. XXXX XXXX Dated XX/XX/XXXX ( Experian and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( Experian ) 9. XXXX DatedXX/XX/XXXX ( XXXX ) 10. XXXX DatedXX/XX/XXXX ( XXXX ) 11. XXXX Dated XX/XX/XXXX ( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

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 2021-11-10
Company: Navient Solutions, LLC.
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:
I XXXX XXXX XXXX XXXX give Navient the authorization to respond to this complaint. 

Navient was asked to send specific documentary evidence the Original Promissory Note, Account Ledger, Books, and Records of where the account was funded the Audit Trail and whom that money was sent to because I never physically touched any check or money to pay for any education also Navient is operating and collecting information and disbursing information on an expired OMB No. They have no extension or new filing for the promissory note this information was obtained from reginfo.gov which I've added to my exhibits of unfair practices to collect information and collect on an alleged debt. Also I am revoking my alleged agreement be sold to a new company I do not give my consent for Aid vantage to obtain any of my personal documents or public documents social security number alleged agreements etc. I advise Navient to XXXX out all accounts and leave it in good standing if they can not produce the Original documents signed by the two parties. Navient also lied to me and said they are a government entity when they are in fact only a servicer third party to the government entity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Investigation took more than 30 days

Complaint:
I submitted a dispute on inaccurate information on my credit report and the investigation has taken more that 30 days and still no response.

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 2018-12-25
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Bread Financial Holdings, Inc.
State: GA
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:
On XX/XX/2020 I found out there is an account that does not belong to me. I never applied nor agreed to terms with this XXXX company. I contacted them about this information. I had just purchase my home, and started receiving forwarded mail from an address Im not associated with for a bill from XXXX. I do not own this account nor did I agree to any terms with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez who we have our mortgage with took two payments out for XXXX. I called them on the XXXX of XXXX and also on the XXXX of XXXX. So far they haven't put {$810.00} back in my account. Took the money out on the XXXX of XXXX. Phone number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: LA
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 XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan took over servicing of my mortgage and discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills.

They have recorded the 3 payments for the first modification and 2 payments for the 2nd modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent one so small no one could read it they only sent one I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX( XXXX ) 4. XXXX XXXX DatedXX/XX/XXXX ( XXXX and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( TransUnion ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX  DatedXX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX( XXXX ) 10. XXXX Dated XX/XX/XXXX ( TransUnion ) 11. XXXX Dated XX/XX/XXXX ( TransUnion ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

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 2017-09-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX separate occurrences during the winter of XXXX of XXXX I was told many times that I was not able to remove my father as a co signer. I was also told that I was not able to have my interest rate of XXXX percent refinanced. I was told that there was nothing I can do and that this is something I would have to deal with. They never explained ways that I can try and beat the debt only ways to prolong paying. Currently I 'm not able to get above the principle of the loan and currently see no end in site to paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX and XXXX XXXX XXXX are double reporting on accounts # XXXX for XXXX XXXX and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.

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 2021-10-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My current bank, BBVA was bought by PNC. 
The transition took place on XX/XX/XXXX. 
I have 5 accounts, 2 personal and 3 business accounts. It took 2 visits to the branch and a total of 6 hours for them to give me access to my 2 personal accounts. 
I still can not access my 3 business accounts, which I use on a daily basis to operate my businesses. 
I have spent HOURS on the phone and 6 hours in person at my local branch attempting to access my account information- and now here I am, 7 days later still unable to gain access to my 3 business accounts. 
I am not the only one in this predicament as every former BBVA branch in XXXX is overrun with irate customers in the same situation I am.

Company response to consumer: Closed with explanation