BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment made in full but 2 hours past deadline ( XX/XX/XXXX @ XXXX ), was charged {$100.00} interest fee. Was upset that they would n't remove the charge so closed account after paying next bill on time on XX/XX/XXXX. Trying to pay remaining balance this month, was charged an additional interest charge of {$77.00}. Company is  claiming in customer chat that they charge interest for 2 months after a late payment even though I was a customer for around 10 years and this has never been the case. I believe they are just trying to stick me with a fraudulent fee because I am ending my customer relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I have XXXX refunds missing childtax payments missing andXXXX loan missing and my paypal and XXXX WONT RELEASE TJOUSANDS of dollars to me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ohio,XXXX my address my email XXXX my phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX collection letter dated XX/XX/XXXX I disputed the debt in my letter dated XX/XX/XXXX. XXXX responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent XXXX my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX XXXX 's letter told me they opened an investigation on my dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and XXXX was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX XXXX letter notified me that they were no longer be collecting on the account.

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of several Data Breaches Including Identity Theft. I have also sucessfully been awarded Judgement and suffer extensive losses due to an unknown party creating a Capital One Credit Card in a Company name which I didn't consent.

FCRA Section 605B in addition to Section 611, FCRA expressly states that in the event of Identity Theft The CRA will Block or Delete any account that has been identified accompanied by either a FTC Identity Theft Report or a Police Report. I have done both yet XXXX will Not Delete this account. 
In addition, I have correspondence with from Capital One state Specific Language that they do NOT have information or any documentation regarding me signing any contract. According to the law the account must be deleted from my credit report. 
I am going to file a federal civil law suit as well as press criminal charges for XXXX and Capital One for working in concert to publish this unverified account which has made it impossible for me to purchase a home for me and my 3 younger children to have our own place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Harris & Harris, Ltd.
State: IN
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:
Harris and Harris Ltd has a collection account on my credit report. The number they have listed to contact them doesnt work. Theres no way for them to verify the acct at all. I disputed it with XXXX to see if they had a different means to contact the company. The dispute took less than 6 hours. Somehow XXXX verified the account but I have no way of verifying it or even settling the alleged debt. Heres the number they have listed that DOES NOT WORK and has not worked for over a week XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: CA
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:
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have  disputed. Please resolve this manner 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 2022-02-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
To Whom it may concern, I filed a fraud report with Chase on XX/XX/2021 do to fraud charges on my credit card account. I did inform them that the last time I used my card was on XX/XX/2021. They refused to remove the charges dated XX/XX/2021, and stated they have approved of the signatures. They have not yet provide me with any proofs. 
I called the company multiple times to dispute the charges, I got hung up on more then 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: MN
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 Experian You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP Experian You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. XXXX has an Ok. XXXX  is not reporting anything incomplete XXXX  you are reporting a ok late XX/XX/XXXX XXXX you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX HOUSE OFFICE Building Washington DC 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 2017-11-16
Company: AES/PHEAA
State: MS
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 had all of my student loans consolidated in XX/XX/XXXX, but Fed Loan Serv keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Green Square Company LLC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company XXXX PREMIER XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX PREMIER XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is the second complaint because the first one was not resolved. I got a call from a rep apologizing for the delay. Of course they blamed covid. 

Anyway, this bad transaction happened in XXXX. Its now XXXX. It takes 4 months to investigate fraud? Yall owe me interest too if thats the case. I cant go weeks without paying a bill or a bank, but yall can do it? No. It is taking all my power not to go to a location and beat up an employee. Keep the money. I just want to fight at this point. 

What is there to even investigate? I ordered something. It didnt come. The merchant wont answer. Theres no record of delivery or shipping. 

What the XXXX is taking so long to get me my money? I used to be a federal XXXX. This sort of case shouldnt take more than a week to resolve. Either XXXX doesnt care or they too are committing fraud. 

I dont care. Stop pretending to care. Give me my money.

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 2020-09-16
Company: Williams & Fudge, Inc
State: NC
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:
I disputed this account with XXXX and attached a police report and FTC report and showed this account was not mine and they still remove it. This account is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of several Data Breaches Including Identity Theft. I have also sucessfully been awarded Judgement and suffer extensive losses due to an unknown party creating a XXXX XXXX Credit Card in a Company name which I didn't consent. 
FCRA Section 605B in addition to Section 611, FCRA expressly states that in the event of Identity Theft The CRA will Block or Delete any account that has been identified accompanied by either a FTC Identity Theft Report or a Police Report. I have done both yet Experian will Not Delete this account. 
In addition, I have correspondence with from XXXX XXXX state Specific Language that they do NOT have information or any documentation regarding me signing any contract. According to the law the account must be deleted from my credit report. 
I am going to file a federal civil law suit as well as press criminal charges for Experian and XXXX XXXX for working in concert to publish this unverified account which has made it impossible for me to purchase a home for me and my XXXX younger children to have our own place.

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 2017-11-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bill pay kept paying after I took back the authority they once had because I XXXX bill pay t6he credit union as told not to pay any more bills for paid bills knowing the fund had be directed to another bank and being told not but they charged more fees and paid no bills just collected more fees from my account. They was paying bills and not telling me but charge me fees the as if they paid bills. my credit is really messed up and they did nothing to assist me to correct it all though in their manual they were responsible for not getting the payment out on time the only thing they did was denied me credit for late payments that was on the report caused by them they denied me credit for what they did and or cause. Now they are expecting me to pay for bill pay intentional act call me every week and I tell the same thing get from bill pay. Charge me fees for returned checks they wrote knowing the fund was not there they just wanted to collet fees, I had to get out of their bill it was miss using my funds I have to get my credit fixed I can do anything including getting a jog I had a business because of the late payment canceled my money order sell and cut the machine off. They have done nothing to help me fix the problem they refused to give me a copy of letter the claim they sent credit reporting agency 's

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Premier Student Loan Center
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:
Received a call from Premier Student Loan Center saying they could defer my student loan payment totals and consolidate my loans. I think it is a scam because I tried calling to cancel and opt out, which I was told I could do at any time, and the people answering the phone would immediately hang up on me when I would ask to opt out.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of several Data Breaches Including Identity Theft. I have also sucessfully been awarded Judgement and suffer extensive losses due to an unknown party creating a XXXX XXXX Credit Card in a Company name which I didn't consent. 
FCRA Section 605B in addition to Section 611, FCRA expressly states that in the event of Identity Theft The CRA will Block or Delete any account that has been identified accompanied by either a FTC Identity Theft Report or a Police Report. I have done both yet Experian will Not Delete this account. 
In addition, I have correspondence with from XXXX XXXX state Specific Language that they do NOT have information or any documentation regarding me signing any contract. According to the law the account must be deleted from my credit report. 
I am going to file a federal civil law suit as well as press criminal charges for Experian and XXXX XXXX for working in concert to publish this unverified account which has made it impossible for me to purchase a home for me and my XXXX younger children to have our own place.

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 2022-02-18
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 Mr cooper has been supplied documents concerning the method of how income is dispersed the amount of how the funds are received and the date of when the funds are dispersed ( no consideration has been given ) I have supplied death certificate ( has not been acknowledged ) ive suppled my work contract ( ignored ) everything has been pending for about eleven business days and its has been like this since XXXXN. Im tired of writing and complain and nothing being done. This will be my last time writing to CFPB im going to start contacting legislation this is XXXX. This company circumvents rules whenever they feel like with impunity and CFPB you are responsible for this mess as well i have been tortured by this organization for YEARS Like I ve been literally checking mr coopers web site DAILY for updates or my email and i only get CFPB responses and the issues is satisfied with a " response and closed '' XXXX... The documents I have supplied mr cooper are valid and credible YOU VILOATED YOUR OWN POLICY MR COOPER 3-5 business days ( your own policy ) is a joke so keep pulling more arbitrary rhetoric out of your XXXX to save your skin. You been on a Sabbatical this entire time when im trying to adhere to a deadline only to push dates back cause when all know you LEGALLY cant do anything officially until XXXX ALLEDGELY ... OH BTW you notice not a SINGLE SPOC person has called me considering that my mod consideration is due to expire in about two weeks casue of the process THIS WAS USED LAST MONTH when you violated the law to call me TWICE but i suppose Mr cooper was was so concerned WHY ARENT YOU concerned now ABSENTEE servicer!!!??? cause its not convenient applying it to your situation to be absolved from liability??? admit you violated your own XXXX business day policy. SHOW why your fortune FIVE HUNDRED company lack the INABILITY to accept entire PDF files and it has to be uploaded one document at a TIME. PREDATOR STALLER LIAR SUBTERFUGE TRICKSTER ETC ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: TX
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:
On XXXX I sent a letter regarding inaccurate late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: TX
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:
id theft victim sent po report inaccurate information sent all the violation to XXXX, XXXX, equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: HireRight Solutions, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Due to Hireright I have not been able to start working any jobs on the original start date. XXXX took three months. So I worked at XXXX  that paid less. It took two months to complete my background check for a temporary assignment with XXXX XXXX XXXX I had to get rental assistance, a pay day loan, and I almost lost my car. Now a permanent job at XXXX XXXX is doing a less stringent background and somehow the background check is again taking long enough that my original start date of XX/XX/XXXX wont work. Now I am looking at starting XXXX XXXX XX/XX/2021 due to Hirerights inability to complete my background check in a reasonable time. Due to Hireright I cant get a job without missing the original start date. I just want to get back to work.

Company response to consumer: Closed with explanation