BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
HSBC N/A has been holding up a payment from the XXXX to our account in the amount of {$120000.00} for over 10 days now. We have been receiving transfers from this account dozens of times a year for many years. All the information that HSBC requested has been sent to them repeatedly. HSBC employees routinely lie to us, ask for information that we know they already have, and send us on fool errands to see if we go away. Meanwhile, their illegal retention of our money is causing us serious financial problems.

Specifically, the HSBC employees named below, whose responsibility is to help us in these matters, have refused to even return increasingly urgent calls or emails from myself and my wife, over a period of days, in a extraordinary display of unprofessional conduct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: JPMORGAN CHASE & CO.
State: NH
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:
I had reported two charges to be fraud. The two charges were from XXXX XXXX, 2021 : XXXX XXXX XXXX - {$120.00} XXXX XXXX - {$28.00} I was told that these charges were marked as Fraud back then when I had called Chase Customer Service and were taken off my account and I was given a new card with a new card number. Today, when I opened my credit card application, I see that Chase re-billed for those two charges and on calling customer service/Fraud protection/Recovery Department I was told that the charges were put back on my account because the investigator put a memo on my account saying that " These charges were made physically at the store by providing the card '', Isn't this obvious? When I said I lost my card, that means someone got hold of my card and used it at a store. I dint do these charges and I need justice here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Barclays bank sent me notification that I am to appear in court about a debt they allege that I owe. I was contacted on XX/XX/XXXX from XXXX XXXX XXXX states the debt had been sold to them & they were to collect this debt. I contacted CFPB about this company and the letter that they sent, the company responded saying they did not send the letter but I have a copy attached. In the prior complaint Unifund then stated that they have this debt in their possession & I am now owing them the debt from Barclay 's Bank. I contacted Barclay 's @ XXXX on XXXX I spoke with XXXX agent XXXX states that there is no acount there for me, XXXX agent XXXX states there is no account for me & no manager for me to speak with, XXXX XXXX XXXX she states no manager available n disconnected the call, XXXX XXXX states that they have no account for me at Barclay 's & dont have a direct number to customer service states that the debt was sold to XXXX XXXX XXXX. Barclay 's sent me a summons on XX/XX/XXXX to appear in court for a debt that they have SOLD. Please refer to CFPB complaint 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 2021-09-13
Company: EQUIFAX, INC.
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:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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: Public record information inaccurate

Complaint:
Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter

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 2018-07-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Earlier complaint Ref # XXXX ) : Please help me with my complained. They responded with information that I was never told either in written or verbal conversation. 

I applied for refinance with my existing lender Chase Mortgage. I have been with them for last 8 years. 

After my initial complain ( ref # XXXX ) to CFPB, they responded ( attached ) that the disclosure I signed mentioned " out-of-pocket " fee which will be deducted from my deposit. However, they never defined or told me " out of pocket '' fee anywhere on disclosure letter I signed. There is no line item on disclosure statement that states it is " out-of-pocket '' fee. Its not mentioned anywhere in the disclosure statement that I signed. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. 

Now they are saying they will not refund deposit nor approve the loan. I provided them all the papers in-time. Since they had all my data as my current lender and knew that my rate will adjust to a much higher rate, they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. 

I feel they cheated me to get XXXX dollars with intention to raise my interest rate at the last moment. 

1 ) They never disclosed that clearly why my loan was rejected. Every time they provide different reason. For example they provided a different reasons on my loan rejection letter sent to me than one sent to the CFPB response. 

2 ) I tried calling them but they provided phone number in CFPB response letter that doesn't work. XXXX, and select option 0 twice. It just doesn't work. There is no way I can contact them. 



Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Diversified Consultants, Inc.
State: TN
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:
DIVERSIFIED CONSULTANTS has been calling me for about 6 months now every day around XXXX a.m. and sometimes in the afternoon about a bill that was paid years ago! 

I don't owe XXXX {$320.00} yet DIVERSIFIED CONSULTANTS keeps calling me everyday! 

NOW they have reported me to the credit bureaus for a completely false bill that has BEEN paid. 


DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$320.00} High Balance {$320.00} Remarks Placed for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter

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 2018-07-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN REGARDS TO CONN CREDIT CORP XXXX. XXXX  XXXX XXXX TX XXXX I HAVE DISPUTED THIS WITH THE XXXX AND WHICH THEY CONTINUE TO SAY IT IS VERFIED AS ACCURATE WHEN I HAVE PROVIDED PROPER DOCUMENTATION TO BOTH PARTIES THAT I AM A VICTIM OF IDENTITY THEFT AND I HAVE NEVER HAD A CONNS ACCOUNT ARE APPLIED FOR ANYTHING WITH THEM. IF WITH ALL THE DOCUMENTATION THEY ASKED ME TO PROVIDE THEM THE BUREAUS HAVE NOT FOLLOWED THE FAIR CREDIT REPORTING ACT AND REMOVED THE FRAUDULENT ACCOUNT FROM MY CREDIT FILE AFTER IT HAS BEEN PROVEN THAT IT WAS INDEED NOT ME WHO OPENED THE ACCOUNT OR OBTAINED THE GOODS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
I have notified XXXX, XXXX and Equifax that I have things reporting on my consumer report as a result of identity theft. I have also sent an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax continues to ignore 7 request to remove XXXX from my credit report. See attached document below of certified receipts with names and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in a modification loss mitigation due to COVID-19. Our financial situation due to covid ended the end of XX/XX/XXXX. I notified Shellpoint Mortgage Servicing, and started making payments. I was told to skip XX/XX/XXXX that the new loan would start XX/XX/XXXX. I have called numerous times for updates, I finally received and update on XX/XX/XXXX. I was unable to receive status since XX/XX/XXXX from any customer service rep or reach my point of contact XXXX XXXX until XX/XX/XXXX. The dates called XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. 
On XX/XX/XXXX after 3 months I was told the interest rate was incorrect from the XX/XX/XXXX paper work and again to skip XX/XX/XXXX payment and the new loan would start XX/XX/XXXX, XXXX XXXX also stated that I shouldn't had made XXXX or XXXX payment due to I am in loss mitigation, but with the new payment and interest rate the loan will be current. The new paper work was mailed to me on XX/XX/XXXX and mailed back on XX/XX/XXXX. On the call XX/XX/XXXX I was told the paper work was received and I wanted to verify if this was a fixed or adjustable loan.. And was reconfirmed that on page 2 of the documents I sent in shows fixed at 2.125 % to give them a week to process. XXXX XXXX called and left a message with no info to call back on XX/XX/XXXX the representative says there are no notes on the file of why he called. XXXX XXXX again called on XXXX and says the paper work that was received on XX/XX/XXXX in there office was for dates of the old loan XX/XX/XXXX. So as you can see why I am filing a complaint. I haven't been unable to get updates on my loan, I mail in paperwork its confirmed received and then told I mailed in old paper work with the wrong dates, amounts of loan and interest rates. I have already made my new payment arrangement for XX/XX/XXXX but the mortgage company is changing the story of what was sent in, I'm wondering what's next?? As I read reviews online this is an ongoing problem of not wanting to complete or help customers with refinancing loans. I do not want to go into foreclosure or having any issues with my loan due to the mortgage co being at fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I HAVE BEEN A BANK OF AMERICA CUSTOMER FOR OVER 30 YEARS. NOW I AM OVER XXXX, ABOUT 10 DAYS AGO I FELL DOWN AND SUFFERED A XXXX XXXX ON MY XXXX XXXX. SO NOW I ONLY CAN USE MY RIGHT HAND TO TYPE IN UPPER CASE. SORRY FOR THE INCONVENIENCE. 

ON XX/XX/XXXX, BANK OF AMERICA NOTIFIED ME THAT " XXXX XXXX XXXX XXXX  '' CHARGED ME {$100.00}. 

ON XX/XX/XXXX I FOUND OUT AND DISPUTED THE {$100.00} CHARGE. BANK OF AMERICA REFUNDED ME {$100.00} ON XX/XX/XXXX. I STOPPED USING THE CARD IMMEDIATELY. IN MIDDLE OF XXXX I STARTED TO USE BANK OF AMERICA CARD AFTER THE BANK SENT ME A NEW REPLACEMENT CARD. 

ON XXXX XXXX, XXXX BANK OF AMERICA CHARGED ME {$100.00}, REASON : FRAUD DISPUTE. 
I WENT TO THE BANK AND TALKED WITH THE VISA DEPARTMENT ASKING FOR THE MISSING EVIDENCE FOR THE EVIDENCE OF PURCHASING AND WAITED FOR FURTHER RESPONSE FROM THE BANK. 

ON XXXX XXXX AND XXXX XXXX, XXXX BANK OF AMERICA CLAIMED UNABLE TO APPROVE MY FRAUD CLAIM, BUT ALSO REFUSED TO GIVE ME ANY EVIDENCE OF PROOF OF PURCHASING OR SERVICE. BANK OF AMERICA THREATENED ME TO RUIN MY CREDIT BY NOTIFYING ALL CREDIT COMPANIES FOR MY REQUESTING PROOF OF EVIDENCE OF PURCHASE OR SERVICE. 
PLEASE SEE ATTACHMENT OF THE LETTER FROM BANK OF AMERICA.

I REQUEST THE BUREAU TO HELP ME GET THE PURCHASING EVIDENCE, 1. WHAT DID I BUY?

2. WHEN AND WHERE WAS THE MERCHANDISE SENT?

3. WITHOUT THE PROOF OR EVIDENCE OF PURCHASE I REFUSE TO PAY.

4. ALSO PLEASE GIVE A FAIR JUDGEMENT : WHAT DID I DO WRONG ASKING BANK OF AMERICA TO PROVIDE ME PROOF OF PURCHASE AND CAUSING THE BANK TO UNLEASH SUCH UNFAIR TREATMENT AND TO THREATEN ME LIKE THIS.

5. WHAT PUNISHMENT THE VISA DEPARTMENT SHOULD GET FOR GIVING SUCH A HORRIBLE TREATMENT TO A LONG TERM CUSTOMER?

6.PLEASE ALSO INSTRUCT BANK OF AMERICA TO WITHDRAW AND CANCEL SENDING ANY SUCH WRONG INFORMATION ABOUT ME TO ALL CREDIT COMPANIES IMMEDIATELY.

THANK YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
1 ) I registered my CapitalOne Spark Business Visa Credit Card with Visa XXXX early XX/XX/2020. This Visa program run in conjunction with participating banks including CapitalOne offers discounts from participating merchants in the form of statement credits after qualifying purchases. I am supposed to see these statement credits applied to my CaptialOne card statements. 

2 ) I made subsequent qualifying purchases in XXXX, XXXX, and XXXX from XXXX expecting to receive the 5 % statement credit promised. 

3 ) I have received no 5 % credits. 

4 ) I contacted Capital One and spoke with 3 representatives on the phone all of whom were unable to assist me in pursuing the missing statement credits for my CapitalOne Spark Business Visa. 

5 ) The contact number for the Visa XXXX program XXXX has not worked for the past month - I always get a recording saying this number is experiencing technical difficulties. 

Please assist me in getting the missing credits from my qualifying purchases applied to my CapitalOne Spark Business Visa credit card account. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Date : XX/XX/XXXX Amounts : None Actions : I spoke to a representative at the beginning of XXXX. ( Sorry I don't have a specific date for that conversation ) They indicated that I did not have to make a payment until XX/XX/XXXX. I asked them if they were sure and they said yes, that they were completely sure. To call back after that date to restart my payment plan. Not even two weeks later I received 4 letters ( one for each of my loans ) stating that my bankruptcy was closed and repayment was to start immediately. That was the purpose of my call on XX/XX/XXXX. I called the number that was at the bottom of the letter ( which apparently after waiting on hold for 10 + minutes was the incorrect number, that was for federal loans not private. So they transferred me to the private loan department. They indicated that yes I was back in repayment. When I explained to them about what I explained above the representative didn't even care at all she said, and I quote " Well, anyways. '' And continued to ask me for a payment. I explained that I was on a repayment plan. She stated that she had to transfer me over to another department that handles that, and that she was going to notate the account so I would have to give my information all over again to the next representative that I spoke with. She transferred me, and the next rep that I spoke with asked for my info. And when I stated that the previous rep said she was going to notate the account so I wouldn't have to give my information, he said that they don't do that and not sure why she would tell me that. He then stated that he deals with accounts that are past due ( mine wasn't ) and that he would have to transfer me over. Again his attitude was that of not caring at all. He transferred me over to the final rep that I spoke with who was kind and finally got me take care of. He didn't have an answer for the misinformation that I received either. 

Here is my main complaint. Navient doesn't seem to care at all about the customer. This is only one example of incorrect information that they have given me over the past several years. They can treat the customer any way they see fit and with no repercussions at all. I feel helpless and completely taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. Capital One had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: First Credit Services Inc.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX/XXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Jon Barry and Associates, 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: Reporting company used your report improperly

Complaint:
DBA Paragon Revenue Group has reported medical bills on all three of my credit reports in XX/XX/2018 in the amount of {$1100.00}. 

I have sent a letter to all three credit bureaus and it has remained on my credit report.

Company response to consumer: Closed with explanation