BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX i got an alert new account was opened with capitol one. The credit limit was XXXX the balance is XXXX. They use credit wise so this is who the alert came from on my capital one app. I'm trying to get a new home now this it also stated my social security number was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I have opened a new checking account with Suntrust and it was approved on XXXX XX/XX/XXXX. I went ahead and provided direct deposit details to my employer who wet ahead and deposited my 15 days salary of around {$4500.00} which came to account on XXXX XX/XX/XXXX. 
However, when i tried to login online on XX/XX/XXXX XX/XX/XXXX, I came to know that my account has been freezed after talking to customer care. They told me that I will not be able to access my account as it is in process of getting closed. When i asked on the reasons which triggered this problem, they mentioned they were not aware of any reason and I would get a letter explaining the reason and a check for my balance ( approximately {$4600.00} ) in a month of so. 
I offered to provide any missing information to continue my relationship or to get faster access to my funds but I was informed that neither of them is possible. 
I even explained them I am already banking with XXXX which is same bank now but to no effect. 
I am finding it very difficult to understand why would they approve my account, accept a direct deposit from my employer and now close the account with no explanation provided or seeking any missing information from my side. I did not made ANY transaction at all which could have triggered any reason to close my account. 
Most importantly, they have blocked my complete 15 days pay check of {$4500.00} which i need immediate access to in such uncertain times of corona-virus pandemic. 

My Account number - XXXX Thanks 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 2023-02-15
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am in the public service loan forgiveness program and my loan was transferred to Mohela and they are taking over XXXX to process documents. I have contacted cutomer service repeatedly with no help. Something needs to be done. I am at XXXX payments with the forebarence months that they put me in due to covid as I was in repayment. I can not get to proccess the paperwork to send to the XXXX XXXX XXXX  department. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 writing to request that Transunion update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). Transunion has failed on 6 occasions to investigate, and correct the inaccurate reporting of the late payments that are appearing on my credit report. On XX/XX/XXXX I received a letter from Transunion, dated XX/XX/XXXX, stating that this account had been verified and updated, but no changes were made. This negligence has caused my credit score to drop dramatically, because this account is reporting previous late payments when in fact it was NEVER late. I contacted XXXX in order to conduct my own investigation. XXXX corrected the inaccurate delinquencies and updated my account. Attached, you will find a letter that clearly states that the account is paid, closed and that ALL inaccurate delinquent reporting has been removed and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct. I would also like for an updated, corrected credit report be sent to me within 30 days.

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 2020-05-20
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 charge of {$5000.00} on my Chase Freedom card for an investment program with XXXX XXXX with the understanding that if I did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back within 12 months, they will continue to work with me until I have gained all my investment back. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Chases customer service no less than 5 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I was asked to submit a dispute request in writing for services not rendered. The requested letter and additional information supporting my situation was submitted via USPS mail and fax. I followed up with another call on XX/XX/XXXX to check on my status. Nothing further needed at that point. On XX/XX/XXXX, I returned a form from Chase for further information. Along with additional supporting information via fax and mail. On XX/XX/XXXX, I spoke to XXXX ( customer service ) who confirmed all my information was received. After 2 months with endless hours spent on the phone and repeatedly sending information, Chase disputed my case completely incorrectly. Chase disputed the  case as a billing error when the letter requested of me were clearly stated for services not rendered. On XX/XX/XXXX I spoke to XXXX who said they can only investigate a financial dispute, which is exactly what I am doing. Even though I submitted to them multiple pieces of supporting information, all they looked at was one piece and sided with the merchant. XXXX also said I should have known to immediately disputed the charge when the merchant was unreachable. Now I am left to pay off a service that I never received because XXXX decided I did not contact them soon enough rather than trying to reach the merchant first. Supervisor XXXX was quick to say there is nothing he can do but I can write in a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Santander Consumer USA 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: Credit inquiries on your report that you don't recognize

Complaint:
Made attempts via certified mail regarding hard inquiry ; unable to reach company. Certified letter returned to sender

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2020-09-12
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
I have a Chase United Explorer credit card. On my XX/XX/2020, statement, I earned 10,001 XXXX miles ( 10,000 miles from Refer-a-Friend bonus and 1 mile from regular purchase ). However, only 1 mile has been added to my XXXX mileage account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Hi, On XX/XX/XXXX I've send a secure message through TD Auto Finance asking if they can help place my account on deferment. On XX/XX/XXXX they replied with an offer to help due to COVID19 and place my account payments to the back end of the loan which was big help, but only to find out later from an alert from Experian my account was marked 30 days past due and dropped my score -32 point, my credit was fair at the time and now puts to poor causing my other grantors reviewing my credit now and closing my account. 

I've called TD and for them to say they we behind on processing the deferments and would correct the problem but the person on the phone had computer issues but did say they know of the issue and would take action to correct. I said I've call back which I did today only to fin out nothing was done and told to write a dispute letter to them and they would investigate. I told them I'm not writing a letter to dispute an issue they caused and should fix the problem without having people in the same situation as me having to mail a letter with everything going on with this pandemic. 

The person I spoke with by the name of XXXX sent a complaint to their internal but again this will only fall on deaf ears, after all I'm little guy and no cares whether this is corrected or not. I have others who have also done the same thing like XXXX XXXX, marked 30 days with a drop of another -32 points. At this point I won't get a job. This only adds to my stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-02
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a Discover Card with a credit score in the 720s. I am planning on starting a family soon, and I wanted to get a card that I could use for groceries and gas to start building my credit score. I was accepted almost instantly. They sent me the card in the mail. I called in to activate it. The agent said they would activate once they got back an XXXX IRS verification form that he emailed to me. I filled it out and was sent verification that it was completed. Two weeks later, I got an email saying discover closed my account and my credit score could be affected. I checked, and my credit score had gone down to the 680s. I called Discover, and they told me that they sent me two verification forms that they never got back and, as a result, they closed the account. I never received these forms. Ive kept every document ( physical and virtual ) Ive recovered from Discover and these forms are not in there. Additionally, they said an agent told me to upload bank statements. No agent told me any such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I would like for your company to look in to this matter for me. I have been trying to solve this issue for a few years and just I got some information to reach out to you all. Back in XXXX the house we had was financed through XXXX, and the land was attached to the house as well. During the flood of XXXX the house was totally demolished, nothing was left of the home, nor was the home salvageable. FEMA and SBA ( SMALL BUSINESS ASSOCIATION ), financed the new home we are in now after being homeless for 2 to 3 months. The matter is XXXX would never give SBA the  pay off information, even though it was a check cut for the account to be paid off. we wrote letters, called, we went through measures to get them what was needed. We have not, or ever been behind in any way with XXXX. after 45 days of trying to communicate with them ( XXXX ), SMALL BUSINESS ASSOCIATION, close the loan so that we would not remain homeless. they sent the loan to SPS ( SELECT PORTFOLIO SERVICING ), whom I have tried to communicate with for years now, and to no prevail with them as well, the sent me a letter for a Right to Cure. I have reached out to several companies, lawyers, and friends never be able to solve this problem with them either because as I said to them XXXX dropped the ball and passed the mess to them in the amount of XXXX of rears payment but totaling XXXX XXXX, 0.25 acres do not cost that much and I hope that you all can help. The right to cure date is XX/XX/XXXX thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAINE & WEINER COMPANY, INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I showed up to carhop In XXXX WA, they could see I was desperate for a car after they pulled a beaten switch on me with a couple different vehicles? They finally got to the one and only vehicle they would offer me which was a XXXX XXXX XXXX with obvious rust damage throughout the whole car massive amounts of dog hair all throughout the seats, filthy dirty, never was detailed not even cleaned., we all have a choice however I was in a XXXX XXXX need for a vehicle. They told me I couldnt get a nicer vehicle that actually cost the same or less as this one they charged me over {$13000.00} with terrible interest rate out the door for this Lemmon, that had mechanical problems from day one I called him, informed them as they tell me to do they give me a number and name to a mechanic that use for customers problems only for me to call never to be able to get through to somebody, and when I finally was able to, they were not only days or weeks out of an appointment they were months out! Mechanical problems became worse with this car. The rust was getting bad. There was black mold throughout the car and to make matters worse when I was doing the financing I said, what about insurance? They told me. We do not care if you get insurance one way or another so I naturally put that off, however? I did say. I 100 percent t need GAP insurance! That they refused and they said they dont do that I have to pay for that elsewhere? Since then the car was stolen and I got a phone call from the towing company where I went to retrieve my belongings out of the car that were still left that were not stolen for me and the car was completely wrecked and its still in the XXXXXXXX XXXX XXXX in XXXX Washington wrecking up Payments owed the car was stolen from me. I called the XXXX police gave them a report. Nothing came of it and said Im not gon na pay for this car. They keep calling me to make payments on the first three months I was late on my payments, but made the payments after that I made 3 to 4 more payments on time every time as soon as it was due now Im going on two months late I think 37 days to be exact? I need out of this lemon they charged me over {$13000.00} for this car thats not even worth {$1500.00}. I need to get a new vehicle but I cant do anything with this on my credit. They want to help me pay it lower amount to charge it off paid off? But Im not gon na do that they have gotten more than what its worth through my payments. Theyre not getting another dime for this car no matter what. They used bait and switch tactics they used a price change tactic where they had a sticker price and then they told me the real price? The sticker price was {$2500.00} and then they told me it was a mistake it was really {$13000.00} give me a break? Total scam artist beware please help me out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attention : XXXX XXXX Re : XXXX XXXX XXXX Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the Capital One statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts.

As a result, I have filed a police report. See attached.

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the Capital One bill showing an address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: KY
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:
This service was covered by insurance and was never billed correctly. I gave them the information to bill insurance and it was still not done. Instead they just sent it to collections instead of billing it correctly.

Company response to consumer: Closed with non-monetary relief