BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from Capital Bank. I have never had a capital one flexible spending account as stated on the report. I called Capital One bank. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at Capital bank were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called XXXX  and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from XXXX  stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called capital one, they could not locate an account number with the last 4 digits XXXX. So, how was XXXX  able to do so. XXXX  fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. Capital One was never able to locate any account when I contacted them directly. I am stuck with no answers from Capital One or from XXXX. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or XXXX  has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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: Account information incorrect

Complaint:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Equifax is reporting negative information from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP.  Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I regularly transfer money to my XXXX bank account ... When I tried today, I was not able to do so I was trying to transfer money through XXXX XXXX and when they attempted to initiate the transfer with my bank, PNC, they found that the bank has made some changes that prevent them from linking my Bank account to the site ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I went to a Chase branch location and deposited a Cashier 's check in the amount of {$1600.00}. Per the XX/XX/2020 Chase Account and Fund Availability disclosures, these funds should have been available the following business day. As they were not, I contacted the branch and was told the funds were on a 15 day hold, but given no reason for this hold. I decided to wait a bit longer, and, a few days later, contacted them again for an update. My Relationship Manager said there must've been an error, but she would have to look into it when she returned from vacation. 

On XX/XX/2020, I noticed that the funds were still not available and, as checks cleared, my account was overdrawn and an NSF fee had been assessed. Further, I noticed that directly deposited Social Security check was also being held. At this point, on XX/XX/2020, I contacted Chase again and authorized them to speak with my daughter, a senior banking professional, regarding my account. Initially, I was told this was not allowed, but my daughter was able to convey the fact that I was providing third party authorization and was subsequently allowed to speak on my behalf. 

My daughter referenced Chase 's Funds Availability policy ( attached ) to multiple representatives and was repeatedly told, they were unsure of their own policies and that she needed to be transferred. After over 35 minutes on hold, an extremely rude representative in the Deposit Hold Dept., by the name of XXXX XXXX, came to the line and said she needed to research the issue. She then placed my daughter on an additional 20 minute hold. When she finally returned, she said she would remove the hold for the cashier 's check, but that is all she could do. When my daughter questioned why the hold was placed on a cashier 's check, XXXX said she didn't know but believed it was because they needed to research it to ensure it would be paid. Again, this instrument was a Cashiers Check, drawn from a local, Florida bank. When asked about the Social Security Direct Deposit, XXXX said she couldn't do anything about it and that it would be available, next day, despite the Funds Availability Policy stating it should be available same day, and despite my having received this payment, without issues, numerous times in the past. 

The call ended with XXXX XXXX being terribly rude and basically asking us if we wanted her to make the funds available or not, which of course, we did. She was determined to be unfriendly, unhelpful, inept and apparently, completely unaware of her role in the Deposit Hold Team. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
XXXXXXXX XXXX XXXX XXXX XXXX  issued a collection action with transworld systems inc XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX   dollars as part of our divorce agreement - however - after numerous contacts with XXXX - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - XXXX needs to remove this account from my report - in addition - XXXX  does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to XXXX  and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approached by Chase, which is my current mortgage company to refinance my mortgage loan. I was sent the paperwork to sign. The document package stated that it was time sensitive ; stating the signed Authorizations to Disclose Information documents should be return by XX/XX/XXXX 2015 ; the stated expiration date being XXXX XXXX 2015. However, I had not received these document until XXXX XXXX. These were signed and shipped in the pre-paid envelope provided on Friday XXXX XXXX. 
Additionally, Chase required certificates of insurance for flood and property. When I spoke with the designated Mortgage Banker XXXX XXXX XXXX XXXX by telephone call XXXX located in XXXX, AZ XXXX, I informed her that I would require an email address, since I did not have a fax machine. She stated that she would provide that shortly because she had to send me additional paperwork. I never received any emails from XXXX XXXX. I spoke with her again to request an email address in order to submit the COIs and any other documentation. I also informed her that I had never received any paperwork from her. She stated that she had sent me many emails. At which time I reviewed all my email Inbox. 
At the end of the call, she stated that the loan had been terminated because the paperwork was not submitted on time. I stated that I disagreed with that statement and 1. the signed documents were returned the day after they were received and 2. the COIs were pending her email information, which XXXX XXXX never provided. And as per the Chase document, the expiration date XX/XX/XXXX. Chase sent a follow up letter dated XXXX XXXX 2015. It states that " Unfortunately, we could n't approve the loan because we did n't receive the additional information we requested. As a result, we cancelled your application. " Based on the way this was handled by Chase and XXXX XXXX, there is no reason for Chase to approve this loan. Since it is not in their best interest, the interest rate would drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I checked my credit report with a big surprise is a 2 collections items without any information ( creditor. address, phone ) only show the amount 2 differents accounts.That information is damaged my credit since my score is low because of this items my loan application has been declined.

My bigger surprise is theses 2 accounts without any information, I never got any letters or documentation, in this point I don't know how is the creditor, is irresponsable to report this kind of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Other fee

Complaint:
Macy 's is charging a minimum interest even though there is no balance on the account at the time the interest is charged. I was told I need to make a payment on the interest charge while there was a XXXX balance I made a payment of XXXX ( XX/XX/XXXX ). I was assured by the rep that that would bring my account to XXXX and there would be no late fees/charges. A month ( XX/XX/XXXX ) later I was charged another {$2.00} which I didnt know about because I did n't check my account since I wasnt carrying a balance. I made a purchase in XX/XX/XXXX and went online to pay off my account. Found out there was a late fee and another XXXX interest for XX/XX/XXXX. This is ridiculous and beyond frustrating. The customer service rep I spoke to could not provide a convincing argument but removed the charges. Shame on you Macy 's. I am closing my account after 10 years of being a cardholder.

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 2015-03-27
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My auto finance company ( Westlake ) hired a third party company to come, and reposes my vehicle on XXXX XXXX, 2015. XXXX XXXX, 2015 I paid a total of {$1500.00} in back payments and towing fess plus a XXXX months in advance for the upcoming months. When I went to retrieved my vehicle it had physical and mechanical damaged to it, and was not drivable I then contacted the finance company in regards to my issue. They were very unsupportive of my concerns. In response to the poor customer service I stated to the representative that I was surrender all rights to the vehicle due to a breach in contract, and I would like to be refunded for all towing fee 's alone with the two months in advance of payments. Plus the remainder of the loan debt to be cleared of my name, because the vehicle was no longer of service to me due their negligent. The representative rudely denied my request, and stated to me that I need to contact the towing company which they did n't even provide me with the towing company information. which brought me to you all for some legal advice or help with this matter thanks in advance for time and service.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I used my credit card to book a hotel in XXXX. The hotel tried to overcharge me when I actually arrived there and was not ready to honor the pre-booked rates. I did not stay there but they still charged me for my reservation. Under my credit card, I should get insurance for my purchases but this card does not honor this. They will not refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Starting XX/XX/XXXX ( new employment ) Netspend mailed unauthorized card to XXXX XXXX XXXX XXXX, NC : this was not a card with appropriate funds as account. New card was mailed to same home address but unknown last name, was not activated. 
XXXX, new employer & email was reported to CRA. Very close to actual employer, yet falsified. Email & activation were never attempted or known by me. 
XXXX was then purchased for 1 year. 
Email account used XXXX XX/XX/XXXX ) blocked & unsubscribed from Netspend. 
New emails were received as spam in new education email address now in XXXX. 
New card to activate, in my name was mailed to my address XXXX XXXX XXXX XXXX, XXXX, NC : this was not purchased, not knowingly contacted by Netspend other than activation email, not known if funds are finally available or past issue is resolved. 
Card currently in dispute : XXXX Account currently in dispute : XXXX XXXX : XXXX Acct : 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 2018-10-19
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an employment certification form ( ECF ) form to have qualifying payments counted from the years I've worked for XXXX College XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ).

XXXX XXXX denied the ECF, stating that section 3, Item 5, the employment begin date was not filled out. It was clearly filled out.

They also said section 3, items 9-13 were not filled out. Item 9 was clearly filled out, Item 10 was clearly filled out and the instructions on item 10 said to skip to section 4, so the remaining items 11-13 were unecessary They also said that they were denying it because section 4 had been filled out by my employer. The instructions for section 4 clearly state in all caps " TO BE FILLED OUT BY EMPLOYER ''.

I submitted the form again with these areas highlighted and explained that their reasons were invalid.

They denied it again saying that the official from the employer had not listed her phone number. She had clearly listed it on the appropriate line in section 4.

Furthermore, they reduced the number of payments that had already qualified without any explanation at all. I had already certified 14 qualifying payments. They reduced that number to 12 with no explanation at all. The real number should be closer to 40.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CMG MORTGAGE, 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: Account information incorrect

Complaint:
Have a 30 yr fixed VA loan serviced by CMG mortgage. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by CMG mortgage. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to CMG mortgage in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Coinbase, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, The company I am having problems with is Coinbase. I no longer have access to my account, but I am involved in a legal matter of trying to recover a large amount of money that I was scammed. I used Coinbase to sending payment so my attorney in XXXX says I need to get my Coinbase transaction history to move my case forward. I have tried contacting them in every way possible, but there is no possible way to get hold of anyone or to get a reply. What Coinbase is doing should be considered illegal. I just want my Coinbase transaction records but I don't know how to go about it. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
Hi! My name is XXXX XXXX. I got a British Airway visa card in XXXX, XXXX. When I opened my account, I thought I would get a travel together ticket if I spent more than USD XXXX within a year. And I have already spent more than USD XXXX now. But I did n't receive my travel together voucher, so I checked the website and found out that the requirement was within a " calendar year '' instead of " a year ''. But I opened my card in XX/XX/XXXX, there were only less than three months left in XXXX. And I spent more than USD XXXX before XXXX XXXX, XXXX. I think it was very close to the requirement, USD XXXX. 
So I think the rule is very unfair for a new user. Like me, just because I opened my card in XX/XX/XXXX, I lost my deserved reward from spending more than USD XXXX in less than 3 months. If I opened my card in XX/XX/XXXX, absolutely I would be qualified to get the voucher. Also, the other thing I want to address is the rules are very confusing. There are XXXX types of rewards. XXXX is open card bonus, the other is travel together ticket. For open card bonus, the requirement is " within your first year '', however, the requirement for the travel together ticket is " in a calendar year ''. I believe it is misleading and trying to confuse customers. 
Thank you for your time and help. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, 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:
Here are the dates when I mailed out letters asking them to fix the errorsXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

Company response to consumer: Closed with explanation