BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase XXXX allowed me to be added to an authorized users card without my consent. This had a negative impact on my credit score and when I contacted them, they told me they dont need my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They have dragged the remodification process out for over XXXX   years. They was always a missing document or piece of information requested. By the time Id receive notice, other forms expire and wed have to start over. I was recently denied remod again due to paperwork. They have changed their phone system to where you need an extension to speak with someone to resolve this issue. I have no extension and can not move forward, the call drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX send me a letter on behalf of Calvary SPV LL saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CW Financial
State: KS
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:
Regarding XXXX. They are continuing to report an account as a Charge off. I have disputed this at least 6 times and have asked in writing to be provided with the accuracy of this account according to the laws and guidelines of the FRCA. They will not provide any proof of verification but continue their incorrect reporting. The company is XXXX XXXX. They have no information except a phone number to call and when I tried it says it's been disconnected. This account was originally thru XXXX XXXX. 
In XX/XX/XXXX I reported fraudulent charges made in this account, many in other countries or locations I had not been too. I worked with XXXX XXXX and continued to pay my charges off until the balance was XXXX. The last payment made was XX/XX/XXXX.  The account was closed. Both XXXX and XXXX  removed XXXX XXXX from my account as they were not the original creditor. XXXX XXXX is reporting the payments I made to XXXX XXXX, but begin reporting late from XX/XX/XXXX. In XX/XX/XXXX they reported my account current. I thought this meant that due to my dispute it would erase all late charges as the remaining amount left was due to fraudulent charges. This was not the case, they then reported it as a Charge off. They also reported that I had made a payment on XX/XX/XXXX. Again inaccurate. They have continued to report to XXXX since then that this is a charge off. Even though XXXX is aware of the situation they continue to report these inaccuracies and will not provide any proof, except to say they electronically verified, even though I asked for written proof that this is my debt, which they were unable to provide me with.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After being hospitalized from giving XXXX to my XXXX  via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Company Mr. Cooper is making it difficult to extend the required COVID Mortgage Forbearance. When you call it steers you to the website to login. When I logged in it only gave me options such as Deed-in-Leu, Modification and full payment. When I attempted to find or select " extend forbearance '' it said I was not eligible. I have used 9 months of forbearance and since this is a quasi-government backed loan it should be eligible for 90 more days. When I was navigating the system to find the forbearance option it navigated me to a modification. I later received notice that I needed to make trial payments. All I wanted was the forbearance extension. I made several attempts to call and they were busy and I was again directed to the website. I was able to reach them on XX/XX/XXXX and they agreed to cancel the unwanted modification and told me the forbearance would extend to XX/XX/XXXX. 

I am concerned that Mr. Cooper is not following the intent of the relief package, and making it unreasonably difficult to get the extension. I am very concerned that they appear to be cramming customers into unwanted modifications, demanding full payment and taking property with deeds-in-leu buy directing them in the website without showing the forbearance option. I have very little trust in these mortgage servicers especially with the issues around the XXXX financial crisis. Please remind them to follow the intent of the relief and ensure there website is accurate and not misleading customers into unwanted programs. Please ensure I was granted the requested 90 day forbearance extension by Mr. Cooper. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: DC
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: MD
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 tried to get XXXX XXXX XXXX XXXX  removed from my credit report because it did not delete off my credit report after 10 years of last activity. This account last activity was XX/XX/XXXX, therefore the account should have been deleted as of XXXX or XX/XX/XXXX. I disputed this based on that fact and Equifax investigation stated the account payment information was updated. I contacted XXXX to about the update and was informed by representatives that no payment information had been updated as this account was closed in XXXX as paid. This account was transferred from XXXX to Department of Education loan servicer, which is currently open on my credit report. The recent CFPB investigation did not result in any changes to this closed account being deleted from my account and will only update and stay on my report for another 7 years. This is now an issue that can be held in a court of law because it is reporting when it should have been deleted. This account has been removed from the other credit bureaus XXXX and XXXX. I am requesting deletion of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX/XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my 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 2019-11-07
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I noticed a special invitation from Capital One Bank to check if I am pre-approved with no credit score impact. It clearly stated if I checked, it will not affect my credit. Then I clicked the link and entered all my information and I got the message Well done XXXX, Your credit qualified you for multiple cards. It means I am pre-approved and I must get the credit card, If I apply ( I am attaching copies of all the invitations which states no impact on my credit and also my pre -approval ). 

Thinking that Capital one is a trustworthy Bank, I applied for the credit card and I got the denial letter even though my credit score is XXXX. All the reasons mentioned in the letter are false. Also I got the email that you have inquired about my credit. Attaching copies of that too. 

I request you to please intervene in this and check why they pre-approved me if I am not eligible to get the credit card. Could you please ask them to remove the credit inquiry from my account. 

If I can not trust Capital One Bank then how I can deposit my big amounts with Capital One Bank. Before approaching XXXX please give me the valid reason for the credit denial and if it is by mistake tell them to issue me the credit card and otherwise remove the inquiry from my file. Also please tell them not to send these type of phishing emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-05-08
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC collections is reporting that I owe their company money for a debt that I have no knowledge about, I have no contract with this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: SQUARETWO FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do owe.

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 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband opened up his own account which i did not have any knowledge until he was ill. I only found out about it when a collection agency phoned and asked to speak to my husband. I told them that he was ill and unable to talk. They continued to call and I continued to tell them that he was unable to take and is very ill, this was over 2 month period approximately 10 time. I finally told them that he was to dyeing and they did change their tone. Then under stress I established a payment agreement and that is when I started receiving notices from XXXX XXXX XXXX Once my husband died, I called them to let them know that I was unable to pay the agreed amount and if we can decrease the amount, they TOLD ME THAT I NO LONGER HAD TO PAY AND CLOSED THE ACCOUNT ON XX/XX/XXXX AT XXXX XXXX DST. 

In XX/XX/XXXX, I decided to refinance my home. Found out that their was a negative comment on my credit profile. I looked into it and finally found out that it was the XXXX XXXX XXXX, on XX/XX/XXXX. They informed me that I needed to pay the amount if I wanted it off of my credit report. They did mention that this is NOT A JOINT ACCOUNT. I then asked them why does it show joint on my credit report, they did not directly explain it but mention that I need to pay it if I wanted to get my loan. He said, If I pay the loan, he can give me 10 % off of the balance. I said then why did they tell me on XX/XX/XXXX, that I did not have to pay. He said that was the best he can do. He has not called me back as of today, XX/XX/XXXX. 

This does not seem right. I was willing to pay on XX/XX/XXXX with a lower amount and they said NO, I was not obligated to, it was not a joint account. Now they want the balance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Not receiving Capital one venture x card XXXX travel credit. Tried contact the company XXXX times. They Said it will take up to XXXX billing cycles but it has been XXXX billing cycles. 

On XXXX, I made a travel purchase qualified for XXXX dollar cash back at capital ones travel portal. Iast time I called them I XXXX  They said they file the complaint and credit should show up within 10 days but not. Therefore seeking outside help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
TransUnion deleted obsolete re-aged accounts and I received an alert from XXXX XXXX. I logged on to XXXX XXXX and was astounded that the obsolete re-aged accounts that were deleted, 10 of the accounts reappeared on my TransUnion 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 2019-05-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
In early XXXX of 2019, I signed up for the Chase XXXX credit card. They advertised a free " Companion Pass '' for the rest of 2019 when you spent {$4000.00} in the first 3 months of the card. The Companion Pass allows your designated companion to fly with you for free on XXXX. I follow-up with Chase 's Executive Office and they sent me the attached email confirming the promotion. 

By the end of XXXX, I have met all of the conditions by Chase. See the attached screenshot of my XXXX Chase statement. The balance has been completely paid off. I've sent multiple emails and have not received any written replies since the email from XXXX XXXX on XX/XX/XXXX. I've called multiple times and both Chase and XXXX state I'm not eligible for the Companion Pass reward. 

I recently received a call from Chase stating that I did not qualify for the Companion Pass. I asked them if they saw the email from Ms. XXXX from XX/XX/XXXX. They acknowledged the email but stated that I am still not entitled to the pass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: Applied Data Finance, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received, by mail, a letter advising me of my " pre-qualified '' loan for {$7500.00}. '' - " To guarantee you pre-qualified status, be sure to request your money before XX/XX/2018. I applied using the appropriate " Pre-Qualified Code '' before the XXXX date as described in letter and was denied credit. 

I would consider this a UDAAP violation as is misrepresents the pre-qualified status and if anyone else experiences similar notification and denial would consider this a class action. I have a copy of the letter should you care to review.

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