BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
In XX/XX/2021, Neiman Marcus sold off their interest in their credit cards to Capital One and transferred all of my account information over to Capital One. At that time, they deactivated my credit card account and the " auto pay '' that I had set up with them. 

After Capital One took over, it took some time for me to realize where my payments had been swapped over to and they claimed I was 30 days past my bill date ( on what was a {$25.00} minimum payment ) to the new account. 

I have no way of knowing if this is correct or not, but I have had an account with Neiman Marcus for over 7 years and NEVER had a single missed or late payment. It wasn't until Capital One took over that the very first month they HIT MY CREDIT with a late flag. 

I would appreciate them allowing me a 1x courtesy of removing the late hit on my credit and restore my account/status to normal. I have already went into their new system and set up automatic payments and have set reminders on my calendar to " check '' and ensure a payment was processed for the month so this never happens again. I know this is something they don't have to do, but I've written several letters to them and I have had no responses from them in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an application with Caliber Home Loans ( working with XXXX XXXX and XXXX XXXX ), and was locked into a mortgage at 4.625 %. I 'm buying a condo as an investment property, and they failed to even think about checking the percentage of owner occupied units in the condo complex until a week before I was to close.
On Mon. afternoon ( XX/XX/XXXX ) they dropped the absolute bombshell that I could n't be offered the loan at 4.625 % any longer because the percentage of rentals in that complex was too high ( at 61 % ). So, they moved me into another 'program ' they have ... at a whopping 7 3/4 %!
They should have done this research in the very beginning because I can assure you, I would n't have gone forward with their mortgage. But, to completely pull the rug out from under me within a week of closing ( XX/XX/XXXX ) is absolutely unforgivable ... and ought to be criminal if it 's not. They should have to live with the rate they locked me into!
Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: The Best Service Co.,Inc
State: CO
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 been receiving letters and calls from " The Best Service Company '' regarding an invalid debt. They have it on my credit report and refuse to remove it even though the original debtor removed their complaint. XXXX XXXX XXXX XXXX messed up on a closed account, leaving it open and collecting fees. They then turned it over to these shady credit collectors. I disputed the original XXXX XXXX XXXX XXXX claim and they agreed and removed their claim from my credit. The Best Service Company has been given the same information and is refusing to remove their claim from my credit reports. I have received a new letter from them saying I have to give them more information or they will continue reporting until I satisfy their inquiry. XXXX XXXX XXXX XXXX removed the original charge and are no longer reporting it! These people are scammers. I have tried calling and each time, get disconnected. Their website is NOT at all helpful, only allowing you to pay or inquire by giving tons of excess mandatory info to submit. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After looking over my credit profile, I have incorrect names and addresses that appears to be outdated and/or incorrect for all three 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 non-monetary relief
Consumer complaint received 2019-02-27
Company: CITIBANK, N.A.
State: GA
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:
My husband and I filed bankruptcy on XX/XX/XXXX and all of our debts were discharged. Citibank is reporting that my account is late every month to the credit bureaus and is ruining my credit score. They started doing this in XXXX of XXXX and have been reporting it late every month yet my balance is showing that {$0.00} is owed. This debt was discharged along with the others. I called them but they couldn't even find the account and said it was probably sold to a collection agency yet I haven't got a single phone call or letter from any collection agency. I would love to get this removed from my credit report because it is making me pay more in finance charges by lowering my credit scorXXXX. Any help you could give me would be appreciated! Thank you!

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 2022-02-08
Company: DISCOVER BANK
State: GA
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 received an email today that discover closed my account for failure to verify personal account information. 

theres an extortion attempt from discover to obtain my personal tax information for the IRS through a third party ( XXXX ) known for data breaches. 

discover restricted my account since XX/XX/2021. 

i made an attempt to resolve this issue by sending all the information they were trying to verify. 

discover was also served with a Notice of Billing error pursuant to 12 CFR 1026.13 they verified it was received in their office. in the aforementioned CFR no adverse action is allowed unless the dispute is resolved. 

sent via to discover registered agent The corporation trust companies vi certified mail tracking number : XXXX XXXX XXXX XXXX XXXX they were notified of a breach of agreement and noticed of adequate assurance of sue performance and asked to return a signed and notarized affidavit. 

discover was all notified verbally of a Cease and desist in XX/XX/2021. 

still the company decided to disregard the wishes of the consumer and Violate 12 CFR 1026.13 the information the are requesting according to their supervisors are. DOB, SSN, ADDRESS. which can all be verified directly with me by providing a copy of a drivers license and or via sworn affidavit. i offered these options however the extortion persisted this is my last attempt before legal action is necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have a care credit account from XXXX XXXX. The payments are around 225 a month and I guess along the way I missed one payment and the bill has become astronomical that I cant pay it down. My bank statment shows that I have paid these people almost monthly until the bill got bigger and bigger from this missed payment till it was almost 800 dollars one payment. I have called them TWICE and emailed to figure out a payment plan that I can fix this, but both times someone that doesnt speak English well starts yelling and berating me. I try explaining the situation and they ignore and demand I pay this massive bill at once. I emailed and sent proof of the numerous payments I have sent and got no response. They call me excessively but can not talk to a sensible person EVER. So now my credit is continuously tanking because i can not repair this.

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 monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
I have this account on my credit report I have for it to be validated but they have not this one is not mines 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 non-monetary relief
Consumer complaint received 2021-03-10
Company: NAVY FEDERAL CREDIT UNION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
Navy Federal Credit Union issued my wife a credit card under my account in XX/XX/XXXX while I was on XXXX on a XXXX. I did not add her as an authorized user and had no ability to do this as I was disconnected from the outside world. When she used this card for the last time in XX/XX/XXXX I reported it as fraud and they removed that specific charge but they will not acknowledge all of the other charges as fraud. These charges are as follows : XX/XX/XXXX - {$37.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$33.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$23.00} XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$41.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$56.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/2017, Chase called me and told me I was behind on my payments on my HELOC and the total owed was now {$450.00}. My regular monthly payment before that had been {$100.00} per month. So, I gave them my account information and allowed them to debit the amount specified even though I did n't think that was true.
<P/>
After that, I thought everything was fine and that I was all caught up with them. The next time, I met with my financial counselor, I saw my credit report and saw that my credit score had dropped over 100 pts! I then went to Chase and spoke to them in person about the issue. The representative said that they would fix the issue and that it was a mistake on their end.
<P/>
Today, I reviewed my report again, and saw that they had marked me late for over 30 days in XX/XX/XXXX, which is not accurate.
<P/>
Due to this, they have also increased my APR to 7 % and increased my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have talked to discover banks fraud unit about my certifcate of deposit and to my XXXX XXXX XXXX XXXX and to my XXXX XXXX XXXX also my XXXX XXXX and to XXXX XXXX  and to XXXX XXXX   and to XXXX XXXX and also to XXXX XXXX XXXX also XXXX and XXXX about my accounts and cds   roths ira and home loans and i have been discrinated aginst a home loan and that my certifacates of deposits are not funded that my my accounts have been closed because the they were not funded as of today iam not able to recive any of my money or retain my ETFS or divideds are the mutraity of my envestments iam having financal hard ship and i am currently homles and have no others means to file this report and there has been other issuse with my credit report and overpayment to my chidsupport the county of orange says iam 180  days late but on my credit report it says i have been late in only 1 to 3 days late in past 7 to 10 years i belive my idenity has been stolen plus my mail and delivers of prouduct are be stolen i have not recived my credit cards either all of this in the past 5 years i have been comuncating with all financal instatuisons orders from google have been payed for and i have not receved payment or prouducts from these companys iam in need of help with these matters and thank you for your help sincely XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank made a stop payment {$110.00} check number XXXX paid to XXXX. 
XXXX discontinue my service ( cable tv / internet / phone ) on XX/XX/2019. 

I never made or requested stop payment on this particular check. Looks like someone is or has control on my account. i went to bank branch XXXX XXXX XXXX XXXX nye XXXX i talked to XXXX XXXX-XXXX she just gave me a run around so i requested to talked to the branch manager- XXXX XXXX . they told me he is busy and told me they will just just him to call me up. He never called up. I tried several times and try to reach him XXXX XXXX XXXX. no luck. i requested an investigation thru XXXX. 

this is dangerous having someone controlling my account ... 
citibank people lied to me several times ... they like running a fraud schemes. 
this should be investigated.

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 2018-01-03
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:
So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, Experian and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX, XXXX for Experian, XXXX for XXXX  they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : Experian/XXXX/XXXX : 1. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX Email : XXXXXXXXXXXX Phone : ( 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 2017-07-26
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made {$60000.00} additional principle payments for the past 1.5 years. Freedom mortgage is not applying the payments to my principle as they are made. They apply them to my regular monthly mortgage payment ( which I already make in addition to the principle payments ). So they will have my monthly mortgage payments paid for months at a time instead of applying it to the principle as requested. I have spent hours on the phone trying to get them to apply the payments to my principle. Eventually they applied them to the principle however they never applied it on the dates they were made. They apply them months after. I requested and received payment history information on my mortgage and the problem has not been fixed. I have spent hours on the phone and have spoken with supervisors and have gotten no where. I am still waiting for a supervisor to call me and that was days ago and I have even called back since and have not received any 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 2018-09-19
Company: CITIBANK, N.A.
State: FL
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 had a Citi Divident World Master card ending in XXXX for many years issued by Citi Bank XXXX XXXX SD XXXX for several years. Just recieved a letter saying it was closed due to inactivity. That is fine with me, but I had divident dollars they did not send me a check for that. I called the toll free # and spoke to a XXXX who said if the account is closed the divident $ is gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is all fraudulent and are not my accounts : XXXX   XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-02-08
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time

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