BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/XXXX I checked into the XXXX XXXX & XXXX in XXXX XXXX for a 3 night stay. A $ XXXX/day hold totaling {$150.00} was held for a deposit which i used my paypal cash card to put the deposit on. I checked out on the XXXX which at that point XXXX released my deposit & gave me the final total minus the {$150.00} hold. On the XXXX of XXXX I went to the front desk & asked if they could give me a copy of the transaction & fax the release on their part 2 paypal cuz that's what PayPal was asking for so the XXXX XXXX did just that with the XXXX letterhead along with the fax confirmation with the cover sheet which I have a copy of as well showing the fax was a success. Was told that once they received the fax that funds would be released within 24-48 hrs which I have yet to see. The fax was sent on the XXXX of XXXX so I contacted them today by way of text per instructed by customer support becuz their phone system was down due to virus so i contacted them about my {$150.00} deposit. They kept telling me that a fax had to be sent by the merchant ( XXXX  XXXX ) on their letterhead which had already been sent stating that they had charged what they charged me for my stay & that the deposit amount needed 2 be released back to me. As I'm trying to explain to them about this issue I kept getting told I was being connected to somebody totally different who would tell me the same exact thing about how the fax needed to be sent by the merchant. I have the confirmation sheet that shows it went thru to them & I want my money back that they owe me. They just keep giving me the runaround. Which I have another {$150.00} deposit that is due back 2 me when I checked out on XX/XX/XXXX from another 3 night stay which I'm sure will be the same way with them acting like they don't have anything from XXXX XXXX. In a 30 min or so conversation i was connected with 5-6 different people over the same issue which i had to keep explaining the same thing. I have all the text messages between me & the 5-6+ people I was transferred to & the fax document from the Hotel if you need those at a later time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company Capital One Bank USA N has took action against me in hurting my consumer credit report by reporting wrong information. They are attempting to collect {$2700.00} dollars. They have continue to report charge off to my account. the company took action in calling every day of XXXX XXXX XX/XX/XXXX to attempt collect a debt owned to them, harassing and using aggressive tone matter on me, during a time where i was injury at work mentally and physically by court order for the XXXX to XXXX year. I ask them to please stop calling me till further notice, which violated my consumer rights under section 15 U.S.C 1692 having a debt collector harass, or use tactics that include trying to collect a debt. This issue should be resolve as it has step me from getting consumer credit, and have tarnish my credit report information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
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: Problem with personal statement of dispute

Complaint:
I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and Experian dropped my credit score 23 points without reason or explanation. I called Experian XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX XXXX  male I've been a victim of this kind of discrimination for years and I need answers.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2021-05-27
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Company has ignored the 2 letters I have sent them. Not only have they ignored the debt validation letter that was mailed to them on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX, they have also ignored my second letter notifying them that they are violating both my consumer rights and the FDCPA regulations. That second letter was mailed out on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX ). To date, Amsher Collections Services as yet to validate the debts and continues to create defamation to my character by continuing to wrongfully report negative remarks to the credit bureaus, which in turn is causing damage to my credit score and my overall credibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have received anything prior to this and I have not done business with the company. 

I don't know how they can just place a collection on my credit reports without ever notifying me before doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CL Holdings LLC
State: CA
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:
Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: MA
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:
I owed XXXX and settled the debt with the company in XX/XX/XXXX. The company stopped reporting on my credit report in XX/XX/XXXX. For no apparent reason, the company started reporting on my credit report with Equifax since XX/XX/XXXX. Nothing has changed. I have disputed the item with Equifax, but they have failed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through XXXX. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or XXXX until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called XXXX and they told me to call Transunion. Transunion told me to check my credit report and call XXXX. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-05-28
Company: Experian Information Solutions 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 have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. 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 2020-12-15
Company: Cornerstone Home Lending Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment of 3 months under the forbearance program had been deferred and I am in current for the payment. But, I learned that the mortgage company, Cornerstone, placed the aforementioned deferred amount as the second principal, which it has to be paid off once the initial principal is paid off. 

I contacted with Cornerstone since I thought the loan maturity date would be extended for three months more instead to add the deferred amount as the another principal and also that the deferred amount is combine of principal and interest so the whole amount can not be considered as a principal. However, a customer service represent and a loan specialist from Cornerstone said that there is no maturity date change in my loan policy and I have to pay off as a lum sum of the deferred payment once the initial principal is paid off when the loan maturity date comes or if I sell the property before the maturity date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Account information incorrect

Complaint:
XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

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 2021-05-28
Company: ALLY FINANCIAL INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Again and again while obtaining my credit report I've noticed inaccurate and fabricated information on my credit report regarding the account of Ally Financial Bank ... See attachment!!! On report XXXX date of last activity section of the following listing. Experian '' is reporting a date of last activity of XX/XX/2018. However, Transunion is reporting a date of last activity XX/XX/2018. If this is the same account, reported by the same creditor how are numbers different? THIS IS IN VIOLATION OF MY RIGHTS. This account has been so negatively impacting my life. While they are continuing reporting inaccuracies I have been disputing this for more than a year it has not been resolved. With little to no response back. I request that this account to be removed from my credit reports immediately due the face Ally Financial is reporting inaccurate and inconsistent information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: JPMORGAN CHASE & CO.
State: NY
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:
Good Day, On XX/XX/XXXX I used my Chase Rewards points to purchase three 1-Day, XXXX Weekday Tickets with All-Day Dining includes Food and Drinks. The date for the experience was indicated as XX/XX/XXXX. The total cost for these tickets was {$240.00} from which I used XXXX points equating {$160.00}. I used my Chase credit card to pay the difference of {$72.00}. The itinerary number for this transaction is XXXX. 

Since this transaction, I have been unable to view, print, redeem the voucher associated with the actual ticket. I noticed that on my Chase Ultimate Rewards profile under " My Trips '' the reservation appears under a tab for " Past and Cancellations '' instead of " Upcoming '' and the date for this reservation is XX/XX/XXXX which is astronomically incorrect. As a result, I contacted Chase Rewards Program shortly after the purchase but was told to contact XXXX. On XX/XX/XXXX at approximately XXXX XXXX  EST I contacted XXXX but their agent was unable to assist since I did not have a ticket number and the itinerary number used by Chase was insufficient. On XX/XX/XXXX at approximately XXXX EST, I contacted Chase Rewards via instant messenger and was ultimately told that there was a system glitch with processing the voucher and to call back later. I called Chase Rewards Customer Support at approximately XXXX EST and spoke to a representative who contacted XXXX XXXX who could not confirm a voucher as a ticket number was needed and not just a Chase internal itinerary number. This representative said that I would have repurchase the tickets and attempt to be reimbursed at a later date if possible. I declined this and asked to speak to a supervisor to which I was transferred. The Supervisor then tried to contact XXXX, despite my explaining that such futile attempts were made by myself and the representative prior. The Supervisor was on hold for over thirty minutes before our conversation was cut off.

All three of the Chase Support Staff agreed that their was an apparent glitch in their system as it pertained to the processing of the voucher/ticket for theme park. Today is XX/XX/XXXX and my family and I are traveling to XXXX in three ( 3 ) days expecting to go to XXXX and despite my paying for the theme park tickets over three ( 3 ) weeks ago the tickets have yet to be made available to me. 

I received an email confirming the transaction was executed. The points were deducted from my account and my credit card was in deed charged the difference. Thus, payment was rendered however I never received the actual voucher for the theme park. 

Unless a voucher can be provided within the next three ( 3 ) days I am requesting a full refund of the full ticket price of {$240.00}. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was in XXXX branch of capital one bank to withdraw a cash of {$500.00}, to make a purchase for my business in XXXX store near XXXX.I would have made my purchase with my debit card but unfortunately I left my card at home. As I was filling my teller for withdrawal the teller attending to me made a call through to whoever, that I have a ppp loan deposited in my account. I was called immediately from capital one fraud prevention unit by one XXXX XXXXshe gave me an email address and asked me to forward my XXXX tax return. I did sent it the same day XX/XX/XXXX. The morning of XX/XX/2021.I got an email from capital one bank stating that my account has been restricted. I have a balance of {$7700.00} in my account. I have been calling the number that was on my email, but it was never available. I went back to the XXXX branch of capital one on XXXXaround XXXXBecause I needed to know what is happening, why the bank wasn't talking to me and my account was restricted. I was given another number to call. by the teller. The number was on hold for more than 2hrs until it got cut off..I pray CFPB to intervene on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I went to the QVC website to pay my bill. The email I had gotten told me that my payment was {$42.00}. I wrote it on my list of bills. When I got to the portal, it stated that my bill was {$30.00}, and I was like great. I had made three {$35.00} payments and it was time for my payment to go down. To the day, it stated that I owed {$150.00}. Only now that amount is raised to {$160.00}. I haven't bought anything from QVC in over 18-months and my payment hadn't changed in a year. I owed them the same {$300.00}. I filed a complaint with your office. It ' all about a stand mixer that I purchased and didn't have enough credit to charge it all. I talked to a young man at the collection agency. I asked him if I could pay {$20.00} over the next seven ( 7 ) months. He told me " No '' and that he really needed me to pay it all at once. I would have been done paying for it by now. 

Now QVC has changed my due date, and giving me late fees. I paid the bill on XX/XX/XXXX, and they claim the {$12.00} extra dollars are late fees. So, why did my email say {$12.00}, before it was even due? How do they charge me a late fee, before it is even due. Like I said, I had been paying {$35.00} a month for three months. Something happened in XXXX and I don't even remember, but I paid them twice. But again, why isn't that {$400.00} I had for a credit limit paid off by now? I don't know why I still owe them anything. That {$150.00} going to {$160.00} proves they are adding extra to my bills ... 

I am asking for arbitration. I want to go in front of an arbitrator to work out my situations with them and I will be through with them! The young man from the collections agency brought it to my attention that they had closed my account and my ability to have an account on their website back in XXXX. I haven't purchaed anything from them in over 18 months, but I have paid them at least {$35.00} a month. XXXX even with 25 % interest that is {$410.00} and over my credit limit. These people are cheating me. I want a mediator to be able to do the correct math, and clear up this months issues!!!

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