BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have had a XXXX XXXX credit card from Capital One since XX/XX/XXXX. Somebody stole my card number on or about XX/XX/XXXX. I reported it stolen to Capital One on XX/XX/XXXX.

There were four pending charges on my account. One, was from XXXX  which was never actually charged. The other three were from a flower shop in XXXX XXXX, CA called XXXX. These charges were for {$110.00}, {$110.00} and {$85.00}. These were formally charged to my card onXX/XX/XXXX. For some reason that no one from Capital One could explain to me, XXXX  also refunded two identical credits of {$44.00} to my account on XX/XX/XXXX.

I spoke to three Capital One fraud agents about this. The first was on XX/XX/XXXX. They told me that the first priority was that I be made whole and that all of the money that was improperly charged on my account should be refunded to me within 72 hours.

I gave it a week. Nothing happened. I called Capital One again on or about XX/XX/XXXX. This agent said I should have had all of my money refunded to me by now and that he did not know why it did not happen.

OnXX/XX/XXXX, Capital One then simultaneously refunded me the three charges of {$110.00}, {$110.00} and {$85.00} while additionally charging me three charges of {$110.00}, {$110.00} and {$85.00}. In effect, I was still charged the money that was supposed to be returned.

The last call was XX/XX/XXXX. The fraud agents name was XXXX. Her ID # was XXXX. She told me that everyone else was wrong and that it takes an entire billing cycle to fix this problem.

The billing cycle ended XX/XX/XXXX, approximately one month after I placed my fraud report. I paid the bill in full. No action has been taken to refund my money.

When you call the fraud line you have to talk to someone before being put through to a fraud agent. I asked the person who put me through to XXXX  on the final call to file a complaint on my behalf. He told me that he did ; although, I have not heard anything about it from Capital One. Each phone call with Capital One takes at least 40 minutes. I do not have time to keep calling them just to hear why they can not follow their own protocol.

I would like for XXXX XXXX to refund the money to my account or to send me a check for the money owed. The money owed is the difference between the three XXXX charges ( {$110.00}, {$110.00} and {$85.00} ) and the two XXXX credits ( {$44.00} and {$44.00} ). This equals {$220.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02
Company: Grant & Weber
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is about Grant & Weber debt collection who trying to collect on a debt for auto loan that was closed XX/XX/2018 that went into a write off Grant & Weber reported to the credit Bureau that this account was XX/XX/2018 and soon after started putting derogatory marks on my credit report and have been charging me Interest on this collection for the past 3 years I finally was able to get in touch with someone at the company who stated he did not have a company ID number or identification number just that his name was XXXX XXXX informed him that under the consumer 's right act I would like for them to send me all documentation pertaining to the debt that they are trying to collect on and are reporting about I was told they did not give out that information and that I must have XXXX  that I ensured him that this come directly from their website and he didn't seem to like that very much he started getting very defensive the conversation heated up he could not tell me when I would receive paperwork if there was anybody I could talk to that would know or how long the process would take eventually XXXX hung up on me and when I researched this company they had a lot of complaints that were listed it seems that this is the practice that they use and from my understanding it is your right and under federal law to receive such documentation from any company when asked for it which their refusal which puts them in violation

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have complained with the Credit Reporting Agencies ( CRA 's ) regarding the FCRA requirements that the CRA 's investigate for completeness and accuracy. The CRA 's reply on all complaints that " they will enter my dispute into their system and review all information ''. This isn't an answer but a way they blow off complaints and look like they are doing their job..

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 2019-11-16
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to CMRE via a phone and mail to dispute an account they are claiming is in outstanding. I was instructed to send an dispute letter to their dispute department on XX/XX/2019. Having send the requested info CMRE has failed to validate the debt as per the FDCPA, they are holding my credit XXXX their account appears on my credit report every 6 months after I dispute with credit bureau and have it removed it comes back and their argument is we have the correct info. I have a copy of the certify letter I send it over to them and I have yet to hear from them let a lone validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase credit card account closed in XXXX with balance of $ XXXX.I had autopay but, was charged a late fee almost every month. For over twelve years after the account was closed I was paying on the account including over draft fees and late fees. I stopped the autopay in XXXX  XXXX.Why am I being charged late fees and overdraft fees on a closed account. Were these fees supposed to stop after the account had been closed for seven years?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-02-03
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2020I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSWORLD SYSTEMS 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:
I HAVE BEEN TRYING TO DISPUTE WITHTHE COLLECTION AGENCY " XXXX XXXX XXXX '' & " TRANSWORLD '' TO GET FRAUDULENT ACCOUNTS DELETED FROM MY CREDIT. THEY HAVE FAILED TO RESPOND AND FIX THE ISSUE. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT AND POLICE REPORT. XXXX XXXX XXXX HOLDS 3 COLLECTION ACCOUNTS AS FAR AS I SEE ON MY CREDIT. TRANSWORLD WITH ONE ACCOUNT ON MY CREDIT. ALL MUST BE DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Better Mortgage, 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:
I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from Better Mortgage aka Better.com stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from Better.com asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that Better Mortgage Corporation accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from better.com stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of Better.com responded to complaint saying that my credit score was below XXXX which was not true. I asked her how did Better.com get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because Better.com pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. Better.com had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for XXXX  and they were higher than what Better.com was reporting. XXXX XXXX was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the Better.com system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after Better.com denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are many account inquiries on my credit report that I do not recognize. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Select Portfolio Services is messing with my short sale through the actions of legal language. SPS forced me to sign a promissory note, which I signed for the short sale approval but the approval does not waive the deficiency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I went to a car dealership to get a car but I was told that I have a credit freeze on my file. But I never told any one to put it on there. I'm tried of the discrimination that come from this company. Here the thing, when I had the freeze on my account. My identity was stolen two times threw there security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never applied for these companies. I don't recognize these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: IL
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 have reply contacted XXXX  and Experian to remove account that are reporting invalidly reporting the following accounts are incorrect XXXX XXXX ( XXXX XXXX  ) the balance is XXXX not XXXX ; XXXX   was never late, XXXX was never late and doesn't have a balance its paid in full as agreed XXXX ; XXXX XXXX XXXX was never late its paid in full balance XXXX. XXXX XXXX XXXX XXXX and XXXX are both due to ID Theft and need to be removed in their entirety. I have received notices that the items were deleted and updated and somehow they were re-inserted invalidly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The car loan was fraud.I contacted Santander along with all 3 credit bureau regarding the account..The account was opened using my Identifying information without consent, Santander has allowed such fraud loan to remain on my credit bureau which has caused me irritable harm.I supplied a police report and affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: MI
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I first was told my {$750.00} pre-paid debit card from XXXX, through Bank of America was sent to my old address, but never received. Once I complained about that, I did get a new one issued through Bank of America. Card number XXXX with an expiration date of XX/XX/20. 

Once Covid-19 hit I forgot about the card and quite frankly the expiration date. I went to try to use it this week and was told it had expired. I called Bank of America and was told it indeed has expired and that the money was forfeited. I asked where the money was and if it went back to XXXX or to Bank of American and I was again told it was simply forfeited. 

I see my part in this as I did not know it truly expired. However, between not receiving the original card and Covid-19, I believe I should receive the {$750.00} or at least know which company " profits '' my {$750.00} so I know not to do business with them any longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: MECHANICS BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX who finances a XXXX XXXX XXXX XXXX XXXX  has been harassing Me with calls and when I call to discuss how my payment are distributed they blow me off and give me a ton of double talk about paying a few days late or getting extensions which I am double charged for by per diem and late fees. 
My payments are lopsided where my money paid is going to interest instead of principal, I have had this loan since XX/XX/XXXX and I demand that XXXX XXXX conduct the loan in a fair manner where I can afford to trade the vehicle or pay it off. 
XXXX charges a per diem daily if payment isn't made on due date, plus they charge a {$23.00} late fee. This is double dipping, yes? 
The loan they tell Me is a simple interest fee loan where I don't see equity on the vehicle until year 4. 

This problem is one that XXXX creates knowing customers are tied to the vehicle forever and a day because the buyer cant afford to get out of the loan. This company is a Huge Rip Off and should be penalized for taking advantage of consumers struggling with XXXX and steady work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently looking at my credit report, i came to find a few fraud accounts. But this one is a Best Buy credit card with a balance of {$2000.00} and a limit of {$2000.00}. My report says it was opened XXXX XXXX, 2015. I called them and they closed the account but i am in the middle of filing a fraud report because i do not know what it is.

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 2020-01-27
Company: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from National Credit Adjusters ( attached ) on XX/XX/2020 ( despite it saying it was sent on XXXX ). I contacted the collection agency on the same day. The letter clearly advises payment must be made by XX/XX/2020. This is a classic example of " overshaddowing '' as the agency is attempting to force me to make payment within the validation period or lose out on the opportunity to save money by settling. 

Further, I do not owe this debt, I do not know what this is for and dispute it in its entirety. I have forwarded a copy of the letter to my attorney.

Company response to consumer: Closed with explanation