BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a customer with Capital One Visa for over 18 years. Never have I been late on a payment. I submitted a credit line increase request on XX/XX/XXXX. Capital One declined my increase, stated credit score was too low, BUT the letter ( attached ) shows they used a credit score from  XX/XX/XXXX, over 60 days old. My credit score was 100+ points higher on XX/XX/XXXX. 

I called Capital One. They told me to resubmit my request. I resubmitted my Credit Line increase request on XX/XX/XXXX. Capital One again declined my request, AND as shown in the second attached letter, Capital One again used the same OUTDATED information from XX/XX/XXXX. 

I submitted a third request on XX/XX/XXXX. Request was denied again, but AGAIN, as shown in the third attachment, Capital One still used information from XX/XX/XXXX. Why is Capital One refusing to use current information to make a decision?? Why is Capital One purposefully using a credit score that is over 90 days old? 

Furthermore, I find it infuriating that after 18 years of being a faithful, loyal customer, Capital One can not even give me the basic courtesy of processing my Credit Line Increase request by using CURRENT credit report information. 

Again, my score in XXXX, XXXX and XX/XX/XXXX is over 100+ points higher than the information/score Capital One is  using from XX/XX/XXXX. I feel it is unfair and DISHONEST for Capital One to use outdated information from XX/XX/XXXX to review a Credit Line Increase requested on XX/XX/XXXX.

I would encourage anyone reading this post to thing long and hard before becoming a Capital One customer. If they will treat a loyal customer of 18+ years like this, imagine how they will treat a brand new customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 in the amount of {$4600.00}.

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 2019-05-09
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 I was a victim of identity theft in which this how the medical debt was accrued

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 2020-02-13
Company: SYNCHRONY FINANCIAL
State: NH
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:
SYNCB/PPC ( PayPal ) reported someone else 's account information to the credit bureaus under my name for an address I have never lived at. The account was opened on XX/XX/XXXX. My account was opened in XXXX and is in good standing. The other account from XX/XX/XXXX that I did not open up is not in good standing and has dropped my credit score over 100 points. I sent SYNCB/PPC a letter on XX/XX/XXXX and have not heard anything yet. I sent the letter so that they would have to sign for it and send a green card back to me, which I have received. It was signed for on XX/XX/XXXX. I just don't know how and when they plan on notifying me to let me know this has been corrected. XXXX  said there is nothing they can do until PayPal reports the correct information to them. The XX/XX/XXXX account that is not mine was opened on XXXX, reported on XXXX, High Credit of {$900.00}, Past Due Amount of {$180.00}, Account Type : Credit Card, 120 days past due, account closed by credit grantor. I got my credit reports the end of XX/XX/XXXX so of course none of this was on them, nonetheless this is not my PayPal account information. Also concerning the address in MS , linked to this account, how could I be living in 2 places at the same time. Not only have I not lived at that address, I have never given that as an address to PayPal.

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Having problems with XXXX removing inaccurate accounts form my consumer 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 2017-07-13
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Today XX/XX/XXXX I talked with Arvest Central Mortgage Co. Supervisor XXXX XXXX. 
Phone # XXXX X XXXX about the paid off Loans- Escrow Refund to me with the check # XXXX the amount of {$1.00}, XXXX The problem that they placed the order of the payee with my ex-husband & my name on it. I could not deposit the check. Because my ex-husband and I had borrowing the loan and both our name on the note since XX/XX/XXXX and the note had been bought by Arvest Central Mortgage Co. in XX/XX/XXXX. In XX/XX/XXXX, we divorced and the court ordered I kept the property and responsible for the note.
XX/XX/XXXX, I have refinanced to the new loan from XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXX overpaid off the Arvest Central Mortgage Co. {$1.00}, XXXX. 

I called Arvest Central Mortgage Co. Representative many times and explained the situation that my refinance new money paid off the loan NOT my ex-husband money. I suggested to provide them the divorce decree court order in XX/XX/XXXX. But they still kept their opinion that my ex-husband on the note and they have refund my new refinance money with his name on it.
My ex-husband and I on the borrowed note back in XX/XX/XXXX but he is not responsible to pay for the note. The court ordered me to pay and I refinanced the new money paying off the loan, how come Arvest Central mortgage takes my money and goes against the court order to pay for my ex-husband?
My ex-husband and I divorced, we do not have the same account with two names on it, we can not deposit the check.
Arvest Central Mortgage does not refund my money under my name, I have no way to get my money back under my name. This is a big amount of money for a single mother working under minimum wage to have the money for my living expenses. This is unfair for me, Arvest Central Mortgage Co. did not obey the divorce court order and tries to keep my money longer in their bank. 

I hope that CFPB can help me to get my refunded mortgage check, under my name only, which had been overpaid off by my new loan. Arvest Central Mortgage should follow the divorce court order to pay for me only. 

I appreciate for your time and help me to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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: Account status incorrect

Complaint:
My problem pertains to a 90 day late error on my XXXX loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called XXXX and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by XXXX but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: JPMORGAN CHASE & CO.
State: NY
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:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015 with an amount of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Focus Holding Company
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I supposedly owe XXXX XXXX money owed to XXXX. They have called my place of business saying they are a debt collector when asking for me yet can never be reached through any number even after numerous voicemails to attempt to understand or handle the actual debt. Which has been paid. I still use XXXX time to time currently. I am trying to close on a house and this is the only negative mark on my credit report in years. I am baffled. I can not close until this is remo bed and can not even reach the company. Why call my place of business and not my cell phone. I have never left a work number. This is beyond ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
in Fall, XXXX, I was mailed an offer by Chase. It said I would receive a {$300.00} bonus for opening up a checking account with them, and meeting other criteria, by XX/XX/XXXX. The offer also included an additional {$300.00} bonus, for {$600.00} total, if I also opened a savings account and met other criteria. 

I created both the checking and savings accounts with Chase on XX/XX/XXXX, immediately funding both of them with a total of {$15000.00} in deposits, per the required criteria. I also set up direct deposit from my employer to the checking account, and direct deposits were made to the checking account on XX/XX/XXXX and XX/XX/XXXX. 

Per the offer ( see attachment ), the first {$300.00} bonus should have been deposited into my account within 10 business days of XX/XX/XXXX, but wasn't. I called Chase 's customer service line about the omission, as well as returning to the branch where I set the accounts up to follow-up, but Chase is refusing to pay me the bonus. 

Per the offer, the bonuses are not available to checking & savings customers who have closed those accounts within the last 90 days, but Chase is explaining that they are refusing to pay me the first bonus because I closed checking & savings accounts with them within THE LAST TWO YEARS. They have also indicated that they will not deposit the second {$300.00} bonus when it is due this week ( XX/XX/XXXX ) for the same reason. I have no idea why they are trying to renege on their offer, but I certainly would not have set the accounts if this alleged two-year-rule were included in the offer, rather than the 90-day-rule which was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: DISCOVER BANK
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: CITIBANK, N.A.
State: KS
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:
This is regarding billing dispute XXXX. 

I withdrew this dispute with Citibank. I decided to withdraw all my disputes with XXXX and XXXX through Citibank 's online dispute summary in order to work out a resolution directly with the merchant. The merchant offered to pay for all of our food, including our dogs, on our next visit due to how poorly that had transacted business with us over the last couple of years. Numerous complaints were done within the store, over the phone, through corporate 's website, through a XXXX  report with the corporate office ( no one answered it ). 

The problem is despite withdrawing the dispute and having verification that it has been withdrawn, I recently looked at our transaction history only to find that Citibank issued a credit for the dispute of $ XXXX on XX/XX/2020 that dates back to the original transaction date and amount of the dispute. They have not rebilled for the item. Instead, they deducted it again. I am totally confused. I alerted Citibank 's billing disputes department about it earlier in the day in writing. 

I am attaching all the pertinent documents for your records, including the disputes e-mails to billing on all three disputes that I withdrew, a screen print of the recent credit for dispute, a copy of the withdrawals on all three disputes, a copy of the comped receipt signed by the store manager XXXX, and the e-mail correspondence between the store and myself. 

My concern is they are going to resend another dispute to this merchant for a dispute that has already been resolved and dates back at least a half of a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Synovus Bank
State: GA
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:
On XXXX XXXX i sent a letter to XXXX  stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX  refused to remove the items on my report. 

1. Columbus Bank & Trust Account Number : XXXX identity theft 2. XXXX XXXX  Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX  Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I tried linking and transferring money from my Pnc account to my other online banking account and Pnc doesnt allowing account to link. Ive had problems previously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX I took what I understood to be an auto loan from Wells Fargo to purchase a used vehicle. The bank requested the VIN for the car prior to approving the loan. Upon approval, I received a loan for I believe around {$6000.00}. After paying the loan off in a few years, I didn't think to request the title from Wells Fargo and have since been the registered owner for the vehicle, while Wells Fargo has remained the legal owner. In XX/XX/XXXX I realized the mistake and called Wells Fargo to request the title. I spoke with the auto loan department and was told they have no record of the vehicle or the loan. I then went to the XXXX, WA branch and at their advice hand wrote a request for the title. Later in XXXX, I received a document from Wells Fargo listing two people I have no relation to as owners of the vehicle. I went back to the branch and spoke at length several times with XXXX XXXX, personal banker. Wells Fargo ultimately stated they have no record of the loan or the vehicle, and the document they sent me is the only information they have and can offer me. I went back to the Dept. of Licensing with this information and was told because Wells Fargo is the listed legal owner, the only way to obtain the title is for Wells Fargo to sign a release of interest. I went back to the branch, spoke with XXXX again and was told " Wells Fargo can not release interest in the vehicle because we have no interest in the vehicle ''. Per the Department of Licensing there is no way for me to obtain the title for the vehicle I've been the registered owner on for 12 years unless Wells Fargo signs either a release of interest or an " affidavit in lieu of ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX a person used my maiden name ( XXXX XXXX XXXX, a false address ( XXXX XXXX XXXX ), and the last XXXX digits of my SSN to open a XXXX XXXX account. I was unaware of this activity until I received a notice from XXXX Bank on XX/XX/XXXX that the debt had been sold to Porfolio Recovery Associates, XXXX. On XX/XX/XXXX, Portfolio XXXX sent me a notice that they had acquired this debt and were attempting to collect it. Shortly thereafter, I reported the error to XXXX bank, the three credit reporting bureaus, and XXXX XXXX. 
On XX/XX/XXXX, XXXX notified me that my dispute has been resolved and they acknowledge that the debt was not mine. I have also successfully flagged XXXX XXXX XXXX as a fraudulent address on my credit reports. However, because Portfolio XXXX has moved to collections and disputes my claim of fraud, this debt still appears on my credit report. 
Today, I filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent Outsourcing has continued to report a debt on my XXXX credit report listing the original creditor as XXXX for a balance of {$660.00}. I mad 2 requests to VALIDATE the debt as belonging to me via certified USPS. On neither attempt did Convergent Outsourcing respond to my request within 30 days of receipt of the request. I then made an appeal to the credit bureau to delete the account from my report due to the failure to validate the debt. At that time XXXX  and XXXX  removed the item however on the XXXX report, Convergent Outsourcing replied with a note to call them directly. My requests for validation in writing have gone unanswered and yet they continue to report to XXXX hampering my ability to financially secure my future.

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 2019-01-30
Company: Southwest Business Corporation
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
MY LENDER SWBC WAS REQUESTING FOR PROPERTY TAXES : I HAVE EXPLAINED MULTIPLE TIMES I AM TAX EXEMPT BECAUSE OF THE STATE THAT I LIVE IN BEING A VETERAN AND MY AGE THEY ARE AWARE OF THIS THEY ARE SERVICING MY LOAN I HAVE ALWAYS BEEN TAX EXEMPT. I ASKED TO CONTACT THEIR ESCROW DEPARTMENT AND THEY REFUSED. THEY STATED THEY WILL NOT REVIEW MY DOCUMENTS BECAUSE I DID NOT SUBMIT THE WRITTEN LETTER OF EXPLANATION OF MY TAX EXEMPTION BY XX/XX/2019 THEY CLAIM THEY RECEIVED ON XX/XX/19 AND THEY WILL NOT REVIEW IT.

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