BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX. 
There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.

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 2019-09-18
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
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: Investigation took more than 30 days

Complaint:
I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.

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 2019-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Capital One has charged late fees in the amounts of {$38.00} and {$27.00} multiple times since the begining of the year, also claimed I missed payments and therefore owed a double payment I've called and talked to them several times finally managed to get a couple charges waived which I didn't need because I didn't actually owe any fees I finally wrote to the dispute address provided by Capital One because I feel my payment amounts, balances, interest rates, my personal credit has become negative and the balance of my account is a fraudulent amount generated by Capital One and the errors made falsely to that account, I requested they review statements from XX/XX/2019 to the most recent and adjust what's incorrect, subtract payments after adjusting balances and mail me a new corrected statement with a balance reflecting actual amounts, as I am still making a monthly payment on time like I have always done, I never intended to default or stop paying Capital One, I did notify them of this, but i'm not willing to be robbed and mistreated, made to feel ashamed, put in a negative way, told they've done what they can and waived late fees for me, and that is all they are able to do, they've explained my statement charges to me, I wasn't always late with payments but that i also wasnt paying required amounts which also allows them to add those fees, basically it's my problem, they had completely helped me, the account is correct, done. I asked, who received the letter I sent, how long before they respond, but it meant nothing and no one is going to acknowledge it because Capital One does not feel they wronged me, they don't care about me, or my feelings, or the way they're negatively affecting my life all i want what's right, it's easy to see who did what and where the fraudulent information started please help me work this out. I have enjoyed my relationship with Capital One but im devastated thinking they cant be trusted, that working issues out with customers isn't policy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

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 2018-02-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My late husband ran up many fraudulent debts in my name before he XXXX XXXX  in XXXX, 2015. Since then I have worked diligently to pay off any debts that could have benefited me, and to protest those that I knew were his debts. His name was XXXX XXXX XXXX. My XXXX score is now Excellent. But Equifax continues to lower my score for no reason. I was affected by their data breaches. I have tried to ask them why they seem to lower my score every time I dispute incorrect information. They show the dispute as a " credit alert '' on their XXXX website, that is free to those harmed by their data breaches. It appears that my score is being lowered as retribution for disputes of bad information. I still can not see results of my disputes because of bad address data on their databases. This is very frustrating and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency named, " RECEIVABLES PERFORMANCE MANAGEMENT , LLC '' filed a negative credit report marks on all 3 credit bureaus without properly validating the debt from the consumer. The collection agency did not provide a formal written report to present that the debt is valid prior to reporting to all credit bureaus and did not do their diligence that the debt is no longer owed given that we have the receipts of payment from the original creditor ( XXXX  ). The collection agency continued to call and harass despite being told that a request to validate the debt is important and that a substantial proof is needed to show in good faith the debt is owed.

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 2018-04-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Wells Fargo. I refinanced it with them in XXXX using XXXX XXXX, who at the time was employed by them. In XX/XX/XXXX I received solicitation for real estate services from XXXX XXXX who was no longer employed with Wells Fargo. In his emails XXXX referenced information that was beyond contact info. I reached out to Wells Fargo concerned about one of their former employees leaving the company with personal consumer information. Their response was that it was looked into and would be remedied. I just received another a phone call from the same former employee. 
Should Wells Fargo employees be able to take consumer information with them when leaving employment?

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 2020-08-28
Company: SYNCHRONY FINANCIAL
State: OH
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:
Care credit card closed my account based on XXXX reporting. Old accounts are not being waived. Student loan accounts are triple reported and inaccurate.

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 2021-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 some lady stole my credit card and used it to purchase gas at XXXX XXXX XXXX XXXX {$24.00} ), buy something at XXXX for {$410.00} and XXXX XXXX for {$880.00}. I filed the police report and filed fraud claim with the Bank as soon as I was notified about the charges. My mistake was that I thought she did not take an actual card, I still had it. So when the bank asked me if I have card on me, I said yes. I later realized that she stole my husband 's card, who is an authorized user on my account ( I had his card in my wallet to later give it to him, and forgot about it ). I contacted the bank of america on at least 5 occasions, explaining the situation to them. Every time they give me 45 days to respond, and eventually decline my claim every time. I don't know what else to do. I did not make those charges.

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 2020-05-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase has an interest-saving purchase option through Amazon. I used that for a purchase for of {$940.00} that would not have had a final payment due until XX/XX/XXXX. Throughout the month, I made a couple big purchases for family members and sent that money in to lower the amount that would be billed as owed during the next statement cycle. Instead of reducing the balance and leaving the interest-saving balance intact, Chase removed my interest saving amount leaving me with a balance due in a month. Chase is insisting that I intended to pay off the XX/XX/XXXX balance. I need to speak with someone about adding provisions, so that I can pay this balance down without accruing interest. I called to discuss the initial response with Chase, left a message and didn't receive a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Am responding to CFPB 's request for feedback regarding complaint # XXXX and # XXXX. Citibank 's response made no sense what so ever and no effort has been made to resolve the issue at hand. Subsequently documentation that substantiates " An airline must return fees paid if they cancel the purchased flight. '' has been sent without a response. The flight in question was purchased in XX/XX/2020 and scheduled to depart on XX/XX/2020. XXXX XXXX canceled the flight and all others from the US in XX/XX/2020 and Citibank informed soon thereafter.

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 2020-05-08
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

XXXX XXXX XXXX XXXX as of XX/XX/2020 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Complaint about Chase/XXXX Credit Card Offer I was prompted on XX/XX/XXXX to pay for XXXX XXXX flights costing {$2100.00} with a new Chase/XXXX Signature credit card by a promotion on XXXX 's website. The advertising asked that I apply for the credit card and immediately pay for the flight I was currently booking ( see attached document and link ) to obtain XXXX bonus XXXX after you spend {$2000.00} on purchases within the first 3 months of account opening '. I assumed payment of the flights would allow me to access the XXXX bonus XXXX. After going through the lengthy process of applying for the card, instead of being taken straight to the payment section to pay via my new card I received this email message ( on XX/XX/XXXX ) : 'We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ' ( see attached email ). 

This of course made it impossible for me to take advantage of the stated offer to : 'Yes, I'd like to apply for the Card and use it to pay for this flight ' and obtain the XXXX bonus XXXX. ( See PDF of Offer ) On complaining to Chase that the 30-day approval procedure rendered the offer to apply and pay for flights with the card ( and obtain the promised Bonus XXXX ) an impossibility, I received the vague statement below. This whole offer seems like bait and switch to me. 

Date : XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Rewards Inquiry Message : Hello XXXX, Thank you for contacting Chase regarding your XXXX XXXX account. My name is XXXX and I am an Account Manager within our Secure Message Center. Our Email Specialists have taken the time to escalate your message for review of the account. I understand and respect your position regarding this issue. 

I'm sorry our efforts to assist you did not result in the outcome you had expected. We ask that you trust that this decision is the same for all customers. We feel adhering to the policy for all customers is the best way to remain fair and consistent. 

The offer terms are provided when applying for the card. 
There may be different offers available based on the link using to apply for the card. I apologize that the terms are unable to be changed. I appreciate your feedback and thank you again for your time. 

We appreciate your business and thank you for being a Chase customer. 

Sincerely, XXXX Senior Service Specialist XXXX ext XXXX Tuesday through Friday, XXXX XXXX. to XXXX XXXX. Central Standard Time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, On Tuesday XX/XX/2019 there was a hard inquiry from a company that I did authorize nor would I of. I have never heard of them until this day. XXXX XXXX informed me with an alert. The company 's name is SYNCB/XXXX. I called the company and they were of no help other then to say we don't have you in our system or show you have any account with them. Very unhelpful. 
My credit dropped from 760 's to 660 's. I told them this was unacceptable and they didn't want to hear it or help in any way. I called XXXX XXXX and filed a dispute online. XXXX told me it was a " soft inquiry so they couldn't do anything to help me. Per XXXX XXXX it was definitely a " hard inquiry ''. 

Thanks, 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 2018-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019. I went to XXXX to make my payment via paypal. Upon selecting this option XXXX  website sent me to paypal. I authorized the payment from pay pal picked my XXXX  account. Once selected the I was directed back to XXXX site. I authorized the payment. The website spun and spun and spun. Finally it came back said that there was some sort of issue with the site please check again later. It also said my payment did not process. However I got to paypal and it has processed. I go to paypal it shows the processed transaction being sent to XXXX. I look at my bank account with XXXX it has been deducted. Now my insurance policy is about to cancel due to the error. I can't afford to double pay while they try to figure this out. XXXX 's accounting team told me twice they don't have it. Paypal says they do ... So I am stuck in the middle as a consumer while neither company can provide resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are writing consumer finance in hopes of obtaining answers from Fay Servicing concerning our mortgage payments, mortgage note. These are questions that have gone unanswered by Fay Servicing. 
Fay Servicing started taking over our mortgage payments in XXXX transferred to them from XXXX XXXX XXXX. 
1 Why our mortgage payments are not being applied towards our mortgage as of XXXX XXXX? We discovered that Fay Servicing was not applying our payment toward the mortgage, after reviewing our payment history on-line at Fay Servicing homeowners portal. Granted that we miss two mortgage payment because one of the homeowners became critically ill in XX/XX/XXXX and diagnosed with XXXX in XX/XX/XXXX. The two payments we miss were in the months of XX/XX/XXXX and XX/XX/XXXX months of paying medical bills, hospitals testing and XXXX treatment. 
2. Fay Servicing suddenly stop processing payments from us XXXX XXXX AND we need to know why? We started paying Fay Servicing extra money over our mortgage payments towards the months we missed XX/XX/XXXX and XX/XX/XXXX and then Fay Servicing suddenly stop processing own payments. We want to be current and want our payments to reflect that we are paying towards being current with Mortgage payments and Mortgage Note. 
2. We want to know what company owns our mortgage note? We received two different Mortgage Interest Statements for XXXX, one fromXX/XX/XXXX and one from Fay Servicing. 
3. We want to pay off our Mortgage Note XXXX XXXX and need to know what company owns the Mortgage Note, the company mailing address and phone number so we can start processings to pay off the Mortgage Note. 
4. Why Fay Servicing is not corresponding or replying to our emails?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Social Finance, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. When I tried to do so they flagged my account and said I had to contact support. Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.

Company response to consumer: Closed with explanation