BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: First Data Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I own a business and have been writing checks to XXXX XXXX for years. I have NEVER bounced a check with them or any business. Two weeks ago we switched banks and now TeleCheck denies each check I try to write. This is hurting my business as we are not able to get needed material. I have spent numerous calls and hours trying to get a straight answer, can not get someone to give me a straight answer. Was told that I have to wait and try to write check after a week but still denied and the last customer service rep stated that I have had to many checks declined. This is not true, I have never bounced a check and this company is causing me to loose business, and a reputation. They can not give me a straight answer as to why I am being declined and what steps to take to rectify the situation.

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 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Regarding Capital One Payment History The payment history that is reporting from Capital One Mortgage is incorrect. 

Capital One transferred the mortgage to XXXX in XX/XX/XXXX. 

Prior to the transfer a forbearance/modification with Capital One was in place to correct the payment history and clear the matter. The agreement with Capital One was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted Capital One in XX/XX/XXXX to request relief due to the flood. Capital One created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and Capital One initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later Capital One denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX/XXXX. We called Capital One and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX. 

However, Capital One did not hold up their end of the agreement. We contacted Capital One several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by Capital One. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX child was hit by a commercial van on XX/XX/XXXX. We almost lost her, there was an extensive hospitalization. I lost my husband on XX/XX/XXXX from XXXX. I was left with XXXX children ; my XXXX has XXXX and XXXX, myXXXX child was born with XXXX and XXXX. 
I work as a XXXX and struggle daily with the financial obligations of homeownership and medical expenses for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased time share XXXX XXXX XXXX XX/XX/XXXX {$15000.00} down payment on two charge cards for a $ XXXX bill. I was told with a program they had, I would get all my money back in 20 years. I went to cancel it the next day and was told I was locked in due to authorizing them to take my other 2 timeshares. So instead, they lowered the points and cost to {$38000.00} but retained my large downpayment and would not refund. Upon returning home I found out they lied, and I was able to cancel and that no one owned my other timeshares except me, as they had NOT been transferred to them as stated. They only offered three days to cancel. I have been fighting since to get out of this contract and get my money back. 

I disputed the charges split between RCI Barclays Rewards MC {$6700.00} and XXXX XXXX {$9000.00} around XX/XX/XXXX. Both put a hold on the charges. I eventually sent paperwork and information on what transpired with this purchase. Within a month or so XXXX released me from any financial obligations. I received a notice about dispute ID : XXXX XXXX from Barclay XX/XX/XXXX that I had provided insufficient proof. I had made several calls prior to ask what they needed and received no input. I collected all the info I could and sent it to them, opening a new dispute ID : DBO XXXX shortly after the prior letter was received. 

During all of this I had been in contact multiple times with XXXX XXXX XXXX. Finally, after much push they released me from the contract because they knew their agent had lied to me. But they had me sign a paper on XX/XX/XXXX, that stated something about my having to deal with my financial obligations to the other entities that I had paid. I sent this release letter to Barclays. 

XX/XX/XXXX I received a letter stating I had provided insufficient proof again to Barclay. I called and spoke with an agent at Barclays MC who said they could not help me any further. I was beyond devastated. This means I am free from the contract with XXXX XXXX but still owe {$6700.00} for NOTHING. I recently sent everything to the corporate offices of Barclay Bank with a letter addressing this signed XX/XX/XXXX. They have not received it yet. 

XXXX did the honorable thing. I am turning XXXX in a month. I can't afford to lose that money. I have a Developmental Delayed adult daughter I support who was coerced into also signing this contract with XXXX XXXX saying it was the only way she could go with her other sister if I became incapacitated or died. This has been one horrible event in our lives that has caused me illness due to stress. I hope you can help me and my daughter.

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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CrossCountry Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear XXXX : I had applied for a conventional loan in XX/XX/2019 with XXXX XXXX, which then merged with CrossCountry Mortgage out of XXXX, Ohio. My loan origination was subsequently transferred to XXXX XXXX XXXX, XXXX. After providing all required documentation or the loan, my loan was conditionally approved. 

About 2 weeks prior to closing, I was asked to provide additional documents on my marital separation agreement. Based on obligations discovered in the separation agreement, XXXX XXXX sent a few emails saying that the loan may not be able to work, but kept refusing to give me a straight answer on whether the loan was denied or not. I sent additional income statements such as 5 year annuity payments, but his underwriters did not know or would not consider them. XXXX XXXX would also not call me as I requested but would sent infrequent short emails as he saw fit. With just days before closing, he asked me to work with other lender if possible, and to revert back to him if I needed to. 

With couple of days before closing, I made the difficult decision to stop the process. I put my paid escrow money of {$3000.00} in jeopardy, which I still have not been able to recover. I asked XXXX XXXX for a denial of loan document which he finally was able to provide. I repeatedly asked XXXX XXXX for a venue/person/website to complain, which he totally ignored, and did not refer me to anybody. 

I am not disputing the decision to not XXXX me loan, but I'm extremely disappointed with the way XXXX XXXX was trained to handle this situation as time was running out. He could have handled this situation better with a professional phone call taking five minutes of his time, or referred me to someone else within his company, or a place where to complain. His employment company would be well advised to retrain him in basic customer relations, communication skills, and let him know how to offer redress options to his clients. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transition continues to report two accounts from XXXX XXXX and one from XXXX XXXX on my report that stems from identity theft. The accounts are for ( {$15000.00} ), ( {$3100.00} ), ( XXXX XXXX {$2000.00} ) This account was previously deleted from my report the was added back to the report. I resubmitted the identity theft report and other documents including a copy of the fcra 605b saying that any items that are on the identity theft repot should be deleted/blocked within 4 business days. This item is still on my 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 2021-05-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have already contacted the XXXX about this matter and the company responded ( XX/XX/XXXX ) but did not provide any information as they stated they would. 

I have never heard of this company before. I have never done business with them. I have never been in contact with this company. I have no idea if this company is in XXXX XXXX or XXXX XXXX, California. They negatively reported me to the credit reporting agencies in XXXX and XXXX of XXXX. This has had severe negative financial consequences to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : 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 2019-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank Of America BILL PAY took both my XXXX and XXXX payment to XXXX out at the same time today XX/XX/2019. They will not take it off for me. They told me I needed to go into Bill Pay while they were on the phone with me and put the XXXX payment back in??? I ask if the second payment would be removed and they told me No and that I would be charged for the overdraft even though I put another deposit in today. 

On top of that the payment is always put in the bank my grandson a XXXX  and his NEW bank in Ga put it on XXXX Payment which I don't us and don't want to use. It was {$1000.00}. and put in 4 days ago where he usually just puts the payment into my bank account. I have to wait 14 days for the payment to be returned to him? 

XXXX was very cold and uncaring about this causing me so much trouble. They said they couldn't do anything about it since it was in processing. I ask if they could put this on my account ... that I didn't want two payments made and I was told NO ... she said it wouldn't show up in the place where they could handle it???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened a business bank account with Citibank N.A on 2019. 

On XXXX they closed my account without previous notification and with no aparent reason. 

I receive on wire on XXXX ( three days before the account was closed ). Total amount was {$12000.00} ( XXXX XXXX XXXX XXXX ). The bank closed this amount and didn't send money back. 

I tried multiple times to call the bank and solve this situation and got no feedback so far. 

ACCOUNT : XXXX/Routing Number : 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 2019-08-14
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State Collection Service , Inc . 
XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX Re : XXXX XXXX XXXX State Collection Service , Inc. letter of XX/XX/2019 Account XXXX On a letter dated XX/XX/2019, State Collection Service , Inc. state that they are charged with collecting {$140.00} on behalf of XXXX XXXX. I hereby dispute the validity of this claim. 

XXXX XXXX claims to have sent me some supplies for my XXXX XXXX. These supplies were not requested by me, and after following up with XXXX XXXX they realized that they had sent them to the wrong address. I have had a couple of conversations with XXXX about this charge, which I do not consider valid because I did not request the supplies, and because they were sent to an address unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX  Account info Account number XXXX I have my own XXXX XXXX and its paid on time XXXXXXXX XXXX XXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX for 6 years

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 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

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 2023-01-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Credit card company approved me for a limit of XXXX and without reason lowered my limit which has impacted my credit score.

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 2019-06-13
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please review the attachment. Remove the inquiries and place an extended fraud alert on my credit report. After reviewing my most recent credit report I have reason to believe I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Kohls store credit card at the store on XX/XX/2019. There was a snafu in keying in annual income, so the store personnel had me repeat the application process, and told me the credit issuer would send me an email asking for annual income. We waited several minutes for the email, and it never came. I waited for either an inquiry from Kohls or the credit card itself thinking they may have obtained what they needed. They never came. 

I received two denial letters Sat, XX/XX/2019, and called their customer service # on XX/XX/XXXX and XX/XX/XXXX. I was connected both times to their voicemail, and told to leave my contact information, and to expect a return call. I made these calls during business hours, and havent received a return call. 

One denial letter states the reason Excessive Obligations in relation to income. 
The other denial letter states reasons 1 ) Available credit on open revolving accounts is too low ; 2 ) No usable real estate account ; 3 ) Time since oldest revolving account opened is too recent ; 4 ) No retail revolving accounts with a valid credit amount. 

Kohls letter states my credit score is XXXX. Kohls issues their credit cards through Capital One, N.A. 

I have four credit cards ; the ones I use most frequently are a Venture Capital One Mastercard, currently with a balance of under {$50.00}, and an XXXX Mastercard, issued through XXXX, currently with a XXXX balance. I use the Capital One card frequently, and pay the balance as soon as I receive my merchandise, and have NEVER carried a balance over to the next billing cycle, nor have I paid any interest on a balance. I use the XXXX XXXX XXXX occasionally, and have never carried a balance to the next billing cycle, and have never paid interest on a balance. Im not certain how old these two accounts are, but Im sure its at least 1-2 years or longer. Ive had the same checking account for 35 years and have never bounced a check. 

Our home and cars are paid for. My husband and I owe nothing to anyone. 

Kohls claims they made their decision on information received from XXXX. I requested my XXXX report today. 

I havent been able to resolve this since Kohls hasn't returned my calls. There is no option to wait on the line for the next available representative, as all other companies I deal with do. 

Im concerned this issue will affect my credit score, and concerned that Kohls is not responsive to my requests to resolve the denial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My prepaid XXXX card was locked due to suspicious activity. I have tried to unlock the card by contacting Key Bank and the number provided on the card. From XX/XX/XXXX to XX/XX/XXXX, I have called that phone number every day for 4 hours at a time and no representative answers the phone. I have tried to contact Key Bank directly and visited a branch but was told the phone number is the only option to unlock the card. My funds are unable to be moved and I am unable to use the card at all with no support coming from the bank to resolve the issue.

Company response to consumer: Closed with non-monetary relief