BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
My complaint is about Capital One charging me 3 late fees. The problem I am having is that I use an app called XXXX to automatically pay my bills. I have had this app for a few years and never had any issues. What happened was Capital One was booted off of my XXXX account so I had to re-link it. I was never notified by Capital One that my payments were not made. I checked my phone records, voicemails, emails, and spam. There were no notifications to make me aware of this situation. I found out when I was with my mortgage rep to get pre-approved for a mortgage. The problem that I am having is that my credit score has dropped to under XXXX and I always had a score of about XXXX. I then called Capital One. I expressed my concerns and all they did for me was waive one {$38.00} fee out of three {$38.00} fees. I have been a loyal customer with them for 8 years. I have NEVER been late on a payment. This was an innocent mistake, but they NEVER notified me about the late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a {$200.00} transfer through XXXX via JPMorgan Chase to another person. This payment was sent to purchase merchandise, which was posted on the app called XXXX, by a person named XXXX. I never received the merchandise, and the seller took down the original merchandise post and deleted their account. 

On the same day ( XX/XX/XXXX ) I called JPMorgan Chase and spoke to an agent, supervisor and manager on the phone, who all told me nothing can be done to return my money or have it refunded. I explained to them that this was fraudulent. I was given no opportunity to present evidence to prove my case, given no opportunity to prove that I was scammed, and they took no attempt to reach the receivers bank. I was told several times that nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have written Equifax, called, and used their online dispute system to try to resolve issues with XXXX debt collection. The outstanding debt they were reporting was paid and I have a credit card statement to prove. This showed up on all three of my credit reports, XXXX and XXXX  both removed items as it was an illegitimate report. I have contacted Equifax several times of the past two years to have removed. The do not respond and only updated status to show I have disputed. I have not been able to provide information or proof of statemtn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This lender is impossible to reach. No one, and I mean No one PICKS UP the telephone, even after being on hold XXXX minutes. COVID XXXX is NOT AN EXCUSE to not work. 

I need a payoff valid for 30 days on my loan. I can not get into my account online due to the fact no matter what I do, reset password, answer questions, I can not get into my account. 

Of course when you try to call, you will only get a machine that talks in circles. Absolutely useless XXXX Please help me get a 30 day payoff.

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 2018-06-15
Company: Security Credit Services, LLC
State: NC
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:
Security Credit Services has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company, Roundpoint ( Loan Number XXXX XXXX, has failed to pay for the insurance fire policy that they are holding escrow funds for. 

This started on XX/XX/XXXX when my insurance agent, XXXX XXXX ( XXXX ) sent the invoice for payment. 

XXXX XXXX had the wrong loan number on the invoice. This was corrected by XXXX XXXX on XX/XX/XXXX. 

Roundpoint then mailed the payment to the wrong company. 

They were informed of this on XX/XX/XXXX. 

XXXX XXXX  contacted Roundpoint on XX/XX/XXXX and they were told a check was being overnight-ed for payment. Roundpoint also acknowledged that they sent the check to the wrong agency in error. 

XXXX XXXX  and XXXX XXXX contacted Roundpoint on XX/XX/XXXX. Roundpoint was told payment was due today and they needed to wire funds. They refused to wire funds.

It has been over a month trying to get the funds that do not even belong to Roundpoint to the insurance company.

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 2021-04-07
Company: M&T BANK CORPORATION
State: UT
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:
M & T Bank is reporting lates on my credit file for XX/XX/20, XX/XX/20, XX/XX/20. At the very beginning of Covid, my employer was significantly impacted as work had gone done severely. This meant I had a huge cut in pay and hours while they tried to resolve some things for the company. I was lucky enough to keep my job during this time but this did not go without consequences. I had been a long time customer and had never been late before and have not been late after. I ask that they please remove these late notations from my credit file as a goodwill adjustment.

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 2021-11-29
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXXXXXX {$790.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
In XX/XX/XXXX, I got a mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, no one had given me any indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! I asked to speak with a manager and he would not allow me to reopen my account and said " nothing can be done ''. I called AmEx several times after this, trying to explain the special circumstances of this problem, but they were not helping me resolve this, and would not even give me a discount on the fee. This feels really unfair and almost exploitative. Please help! I don't want my good credit score to be negatively impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received literature in the mail on XX/XX/XXXX, it says this debt is from XX/XX/XXXX. I called them while sick with COVID, I do not know of any existence of this debt, Mr.XXXX wasn't wanting to hear me only wanted to pitch his bogus training at trying to collect information. From what The Statues of Limitation in the state of Washington and any sale offs this is a Old ( time-barred ) debt, if at all any such debt. I think this is a harassment and Abuse. The company is Radius Global Solutions LLC. XXXX  XXXX XXXX XXXX, MN XXXX. I am on SSI.

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 2018-02-18
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I previously had an American Express XXXX XXXX credit card. I cancelled that card. American Express then offered me a sign up bonus for their new XXXX XXXX XXXX. I paid {$75.00} dollars XXXX annual fee ) to get this new card. The new card has a different name, different features, a new sign up fee, and also looks different ( XXXX, etc ). On the cards terms and conditions It states that the sign up bonus is not available to applicants who have had this product. XXXX is not giving me the sign up bonus for the XXXX card because they incorrectly claim that the XXXX card and the XXXX card are the same product. For the reasons stated above they are not the same product and American Express should give me my sign up bonus or refund the {$75.00} I paid for the new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, 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:
****** Company 's Response to # XXXX XXXX Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. 

****** Feedback to # XXXX ****** Here is another example of how feckless the CFPB is, worthless Gov't that serves no real purpose. 

The CFPB allows the people it regulates to close it's own complaint, self regulation & justification of giving an address that was used to start the dispute process with the Credit Bureau ... If that was a functioning process, I would not be here with a CFPB complaint.. DUH?? 

How is " Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. '' how is that responsive to the consumer concerns? 

************************ To demonstrate how impotent this process is, I'm having to detail a 2nd complaint ... where the 1st was non-responsive. As shown in the original complaint ... I took the required step to dispute derogatory info on my report by hand written detail of the information show to XXXX XXXX as being on my report.. 

The dispute was not performed and thus, the Credit Bureau refuses to remove these items on day 31 ; as my rights under the Fair Credit Reporting Act demands..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I have a company that is free to help me get guidance in talking or helping me with this problem and they wrote the letter to you to reopen my case. Since my other half XXXX   it's been very hard to keep things straight and keep my head above water and they have already taken my car once and I can't have thast happen because of the 15 doctors I have to see each month and XXXX I have to work with all the time. I have XXXX XXXX to take and I'm suppose to have a person staying with me 5 hours a day and taking me to my appointments with my car not theirs but this is just another way for them to take it again. It costs almost {$1500.00} to get it back and that means I have to use my rent money and my other money to keep it. 

I don't know if the company that is helping for free sent you any of the copies of the letters they have been writing me for the last couple of months, but I did ask the man to do that along with sending the information you needed again to open up my complaint again. Please help me with this ... .I 'm so stressed out right now and the doctors are all angry with me because I want a job and they won't let me wo rk. I'm going to be XXXX and I'm so XXXX and I'm XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want my car and the title in my possession and not have to worry about them taking it. It's terrible when the other half of your income is gone in a n instant and you don't know what to do next!!!!!! PLEASE HELP ... .I KNOW THEY THINK THEY CAN GET A WAY WITH THIS AND THEY'RE TREATING ME LIKE A JOKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage with XXXX  XXXX XXXX went into foreclosure in XX/XX/XXXX after my now ex husband was in a car accident that left him out of work for 6 mos. I applied for a loan modification. My original mortgage payment was {$2200.00} my modification offer came back at {$2000.00}, which I denied. I continued XXXX after month facing updated modification paperwork to them. Every single time, within 24-58 hours XXXX would show up with an envelope that had in it a list of what they ( XXXX ) was saying was missing from my paperwork ; it was not. I paid a company out of XXXX ( Owner XXXX XXXX ) $ XXXX/month for a year to help with the modification process, also paid him {$2500.00} cash to do what he said was a forensic audit on my original mortgage paperwork/transfer. He did nothing to help me, he simply took my money. After years and years of this, XXXX was sued for shredding customer modification paperwork and giving bonus to employees who did do. I took it upon myself to print the newspapers articles from the XXXX XXXX XXXX and The XXXX XXXX and faxed it along with my modification paperwork. My mortgage was then immediately sold to who currently holds my mortgage, Specialized Loan Servicing. I have requested a modification numerous times since XX/XX/XXXX and all three times Ive recd an offer right around the {$2000.00} mark. My house is now in serious disrepair. The roof leaks, windows are literally falling out, the ceiling in the back of my house has collapsed. Ive offered hundreds of times to pay no more than $ XXXX/month in order to save my house, and start to repair it. This was the house I grew up in. My grandfather bought this for my mom who is still here with me, but has been sick ( XXXX ) since XX/XX/XXXX. He bought this house in XX/XX/XXXX so that my mom and I would have a stable place to live. I bought it from my family in XX/XX/XXXX with the intention of keeping mom safe here until she passed, but nothing is cooperating. My house is all we have and if we lose it, mom will have to go into elder care through the state. Why do that if I can keep her here and take care of her. Anyway, this has been a long uphill battle and according to my research, it seems the SLS is doing the same stuff XXXX did. They currently have a Class Action Suit against them for unlawful modification practices.

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 2022-11-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX XXXXXXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX - has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
So today, I pulled my consumer credit reports with XXXX and TransUnion and I immediately noticed a host of FCRA violations in regards to the DEPT OF ED/XXXX accounts being reported without my permission. Lets take a look at section 15 U.S. Code 1681 and see

what Congress has to say about this section : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings

: ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Now lets look at another section of the FCRA 15 U.S. Code 1681b and see whats being said in that section : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a Consumer, a couple things stood out. First I never provided written instructions as is required under 15 U.S. Code 1681b to any Consumer Reporting Agency to furnish my reports, and by doing so without that permissible purpose, you have damaged my reputation and infringed upon my right to privacy as a federally protected Consumer.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute multiple times with the company regarding the bankruptcy on my credit report. All three bureaus keep sending it back verified but not telling me how they verified because the bankruptcy court wrote me a letter saying that they do not verify information. I am needing this information deleted as soon as possible. I have attached letter from the bankruptcy court and also a screenshot where they verified 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 non-monetary relief
Consumer complaint received 2020-12-03
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 have been a victim of identity theft my information has been used to open fraudulent accounts. I am prepared to file a lawsuit at this point

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