BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/2020 at XXXX I called into capital one to have another card reissued and sent to my address. The previous card never made it to me by mail. When speaking with the agent and explaining that my card expired at the end of XXXX ( XX/XX/2020 ), the card they had sent never made it to me. She put me on hold and said that she will need to look into the account. 10 minutes later she said she would have to transfer me to speak with a specialty agent regarding issuing another card because it was considered fraudulent activity due to the card not reaching me. I was transferred and the next lady who didnt know a thing and I had to reexplain myself again. She too had said I needed to be transferred. The third person informed me that my account had in fact been closed and thats why he wasnt able to issue me another card. I requested to speak with a manger. I was transferred again. Spoke with someone who had me on hold for more than an hour to try and reinstate my card. He got back on the phone again to tell me that he had to put in a request to another department so they could investigate this and that the turn around time takes 7-10 business days. He said there was nothing else he could do and took my number down and said they would be contacting me. I have been a loyal costumer for 10 years. There was no fraudulent activity on my card and I never said there was. My account was in good standing and I just paid it off and all I needed was another card to start making purchases again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to the creditor CMRE Financial Services , Inc in regards to this debt w/ no communication of validation. The original creditor is XXXX XXXX XXXX. The amount of the debt is listed as {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX Paypal funds were in my PayPal account and I initiated a transfer to our joint account at XXXX XXXX XXXX. I received a message that my funds could be under review, I contacted PayPal and they informed that my transfer was initiated and as it was in a batch that they had no control over the automated system. The supervisor informed me that the review was completed and after the holiday of the first I should expect the funds in 1-3 days. 
I contacted them via e-mail asking why the funds where stilll in review today and also was on hold for 47 minutues and was informed by XXXX that the system was automoated, the supervisor was incorrect and that the first e-mail was correct. My funds were in review and that I can expect my funds sometime next week. 
These funds were to help with a medica payment in order for my wife to recieve additional medical treatment. 
I believe that Paypal was not forthright and that it was intential to hold the monies, regardless of no disputes, the personal medical situaton or compliance on my behalf. The funds are tied up under the review process which I think is a sham and way to gain more interest at our expense. If my wife suffers as the result of this, and I am asking friends to assist me with a short term loan which compiles the stress - I am holding Paypal responsibile as they misled me, were not professional and made it difficult to reach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: Performant Financial Corporation
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX , XXXX, had my check garnished without sending letters, making calls or returning calls to first try to settle this debt. This debt is owed by me and my soon to be ex-wife and only my check had wages garnished from it. This company did not make one attempt to call, just sent a letter to my employer direct for garnishment.

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 2022-08-08
Company: EQUIFAX, INC.
State: GA
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 these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX Account # XXXX Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
XX/XX/2020 a company with given name " XXXX XXXX '', opened up a brand new credit card in my name, WITHOUT my authorization or knowledge. Company claims to be debt resolution service. I gave them personal information about myself over the phone, being absolutely oblivious to scams ect happening, but never physically sent them any information they requested nor did I consent to ANY of the transactions they would start or make.i never even mailed the packed sent to me, back to them. On XX/XX/2020, I asked my daughter in law to make photo copies of ID, SS Card, and Power bill, to be mailed to XXXX XXXX. She refused until she did some research, in turn she phoned XXXX fraud activity department requesting information on said company, which they could find nothing. She did Not send any of requested documents to that company nor did I. I am XXXX XXXX XXXX and do not get out much with my health not so good. This Said company " XXXX XXXX '' opened 2 brand new credit cards in my name, 1 of which, being Bank Of America on XX/XX/XXXX with credit line of {$6000.00}. They did some sort of balance transfer, unbeknownst to myself. My daughter in law and myself contacted BANK OF AMERICA XXXXaud dept on XX/XX/2020, And spend approximately 1hr 20mins on the phone giving them details in regards to myself NOT opening this account nor giving ANY consent to have this account opened. And at this time also closed the account, as well as gave what information I had about the company whom I believe opened this account and that I certainly did not open or request this new credit card account. As of XX/XX/XXXX I received a letter denying my claim and stated " I must have benefited directly from transactions, but nothing in regards to me never even opening the account to begin with. {$6000.00} card limit, balance due {$6000.00}. On XX/XX/XXXX my daughter in law also cancelled the other credit card opened, by said company with {$9000.00} limit. She put a freeze on all 3 reporting agency, XXXX, XXXX, and XXXX. As well as a fraud alert with all 3 companies. On XX/XX/2020, my daughter in law also contacted the " XXXX XXXX '' with only phone number I have, and requested they stop ANY and ALL current or future doings in regards to myself. 1 final note, on ALL of my bank accouns, credit cards, mortgage, auto insurance, life insurance, health insurance etc., that I have personally established or opened, were done as " XXXX XXXX. My legal name is XXXX XXXX XXXX. I have gone by XXXX since I was a young girl. Everything this company " XXXX XXXX '', did using my legal name XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, INC.
State: AR
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 four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX   because they no longer have the debt. The collection agency does. I tried to rectify this with XXXX, Equifax, and XXXX. 
XXXX {$860.00} XXXX {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Supervisor, Today I went to my branch to remove the excess funds from my account which has been closed. Prior to my account being closed there was {$1000.00} deposited! I desire the account closed and for my excess in funds mailed to me as soon as possible. The branch told me to call customer service in XXXX Oregon. Because they had nothing to do with the account? This doesn't make any sense but customer service on the phone told me to go to the branch. It seems no one is aware of the proper procedures. 
Just return my excess funds in the account as soon as possible.

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 2022-08-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The credit bureaus never completed a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. 

They did not do this. 

Also, they have violated my rights even more Under the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated the account was investigated correctly ; this can not be possible if the open date is inaccurate, the date last active is incorrect, and the date last reported is not accurate. This is ground for removal. 

They also violated the law because according to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1687 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without the written instructions of the consumer. 

I have not provided written instructions to any agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i disputed this with account twice already with XXXX  seeing how their the only ones recording this unauthorized account on my credit report and asked them to provide and to follow the a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities and hasnt provided such detail at all to me. 




General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXXCALIFORNIA BUSINESS BUREAU Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$1900.00} past due as of XX/XX/2020. 
XXXX XXXX 2020

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
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:
Rushmore Loan MGMT SER reported on my Credit report ( see XXXX report attached ) and it does not belong to me. I requested a thorough fraud investigation by XXXX  and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than XXXX minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a school loan I have been paying to Navient and they seem to keep loosing my payments or can't find them. From XX/XX/2018 to XX/XX/2018 they said they haven't received my payments. I've been sending them payments by money order and I have all of my receipts from my money orders. This is the second time they have lost my payments. The first time was in XX/XX/2018 and they told me to do a forebearance for that. I have my receipt for that month also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX  I Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has been using unfair business practices, inaccurate credit reporting ; inaccurate and fraudulently application of student loan payments ; Providing me with false and misinformation. Continuous violations of the Fair Credit Reporting Act and Fair Debt Collection Act. 

Please request these two loans, one subsidized and on unsubsidized loan with Navient discharged ; these loans were fraudulently executed by XXXX XXXX XXXX, XXXX XXXX CA ; The school has since closed, and was not credited and mislead students with the cost of school, the accreditation and did not provide transcripts, and or diploma. 

These loans should of been discharged due to school closure ; Navient has my student loans set up to only have payments being applied to interest. None of my payments are being applied to the principal balance ; I have called several times and requested by mail, email and telephonically to discharge these fraudulent loans. Requested accurate information of the status of my account. Payment are only directed to interest. I am very concerned that Navient is operating a fraudulent, student loan servicing organization. 

Please discharge these loans immediately and report to the credit agencies accurate information as discharged. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is in regards to XXXX ( Resurgent ), along with XXXX ( XXXX XXXX XXXX ). Upon researching, The alleged current owner of the account is XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX, dba Resurgent Capital Services. With this being said, in the complaint # XXXX, there is NO MENTION of an open account, which is in the body of my complaint. My direct statement, made to a government official, on XX/XX/2018, via the XXXX  portal is. '' Also refer to case # XXXX. I never received communications from said debt collector in regards to this account. According to my credit reporting files, Debt collector began reporting said account in XX/XX/2018, I was alerted by my credit report this is reporting as a debt collection as on XX/XX/2018. I was never notified by this company, therefore, this debt collection is invalid, and must be immediately removed, and reverted back to the source of original alleged debt. Also, according to my records, I have not received a phone call in regards to this matter as well. Thank you. '' My complaint in XXXX was in regards to credit reporting as a collection within several of my credit reporting files. That has nothing to do with an " OPEN ACCOUNT ''. The explanation given to the CFB is a blatant violation of credit reporting laws, as my complaint was misconstrued to where it appears as a legitimate answer to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I recently applied for a new Chase Freedom XXXX credit card and was asked to agree to " Terms '' that they may take time to review my application. They mentioned that it will take up to 10 days. However, after I submitted my application, I got an email suggesting that I may wait for up to 30 days for the card to arrive by mail or get denied. The dramatic discrepancy in the time frame is preventing me from making a planned purchase. I called Chase, trying to revoke my application of the new card because it will no longer be helpful, but was notified that even though it was pending review ( not yet under review ), they can not cancel my new card application but can only close my account if/when I get approved. Overall, there is misleading information on the card application site and zero customer support about canceling an unwanted application after the fact even though I immediately reached out to them after finding out the unrealistic time frame. This dubious practice should be made known to other consumers so that people think twice before choosing Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a HELOC with PNC Bank more than 3 months ago. I uploaded my initial documents on XX/XX/2021. 

After uploading 47 documents asking for everything under the sun the company has my loan processing at stage 3 out of 6. I have excellent credit history and income yet they have failed to move the process forward.

The person at the bank for the last month has been falsely telling me that they will get back to me as soon as possible with a decision but never happened. They keep asking me to keep waiting and waiting. 

This is very disrespectful and feel like I have been tagged along for a ride. 

I filed a complaint with their department and never heard back from them. I am very disappointed and upset they made me waste over 3 months to make a determination on my loan application. 

I feel very mistreated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple disputes letters via certified mail asking for validation of debt. I know my rights and the law for consumers and a statement of charges and/or a balance due on a letter head is not sufficient validation of debt. Please provided validation or delete asap.

Company response to consumer: Closed with explanation