BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One Bank closed my savings account without my consent and without any notice plus I did not get my funds from my account. I have emailed, called and sent XXXX to their Customer Service XXXX profile @ XXXX and they will not reopen my account and restore my funds and history for that account. I have opened another complaint about this issue XXXX-XXXX and Capital One Representative XXXX XXXX would not restore my savings account or funds. The reason I am opening this complaint is because my issue is never escalated to any other employee but XXXX XXXX. She must have noted in my account to forward all my complaints to her because Capital One has thousands of employees and every complaint or call I make regarding this account, it is ALWAYS forwarded to her. I am requesting escalation of my complaint to be reviewed by XXXX XXXX 's Management. My savings account should have never been closed without any notice. I was receiving my account mailings from Capital One and this was handled very underhanded and corruptly plus XXXX XXXX is making sure that no one in Capital One 's Leadership is aware of what she has done to my account. Please assist me getting my savings account restored. 
Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I entered the CARES act mortgage forbearance due to a covid-related hiatus in my job. I only entered this agreement, via the loan servicer XXXX XXXX, regarding a Nationstar Mortgage, because XXXX assured me that there would be no modifications to the terms of my loan ; they assured me that the missing payments would be added to the end of the loan ( as was widely reported and understood ), without any adjustments to interest rate, repayment period, or total amount paid back to the loan. This was an " interest-free forbearance. '' However, Nationstar changed servicers to Mr Cooper ( for some reason ), and when I tried to exit the CARES act in XXXX and XXXX, I was forced through awkward options on an app, assured that the paperwork was in the mail, and then when I received it ( having no idea what the app was trying to force me into ), I noticed that Nationstar was trying to refinance my mortgage to a much higher interest rate. I never requested this ( knowingly ) and this is certainly not what Nationstar 's servicer had promised me when entering into the CARES act. Had I known I was going to be pressured into something like this, I never would have entered the program in the first place. Now I am being threatened to either enter this program ( which will cost me {$90000.00} over the life of the loan ) or to pay the lump sum immediately. Otherwise my credit and that of my elderly mother cosigner will be negatively effected, without notice. I don't understand why Nationstar is not adhering to the program that they assured me I was entering into, but now I am between a rock and a hard place, having my family threatened, with no viable solution forward ; least of all the solution that I agreed to. I would also be willing to enter some sort of payment program, but they insist there are no such options and I don't have much flexibility after the hiatus in work. Now I have been making good faith payments for three months, beyond the minimum, but Mr. Cooper says they will not accept any further payments unless I repay the lump sum forbearance amount in full. Is CFPB just sitting by, allowing millions of people to be robbed by this program that was meant to help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2018 a letter was received by your offices stating that you were representing a client named XXXX XXXX the letter further stated that an amount was owed. A letter was sent by my office via certified mail and within the 30 day time frame outlined by FDCPA. In the letter that was sent your office, it was clearly outlined that this debt was in dispute and outlined what was needed by your offices to validate this debt which included a copy of the Legal instrument that was used that binds Mrs. XXXX to the disputed agreement and the disputed amount. It was also requested that your office provide detail accounting information to show how your client arrived at the disputed amount. Unfortunately the only thing that was provided by your office was a very questionable photo copy of a statement. Another certified letter was sent to your office on or around XX/XX/2018 questioning the photo copy of the document provided to my office and once again asking you and your client to please provide additional documents along with the original documents requested to validate this debt. In both letters it was also very clearly stated that if your office proceeded to reported disputed and inaccurate derogatory information to any of the credit report agencies, civil legal action would proceed without hesitation. As of XX/XX/2018 your office has provided nothing that validates this debt and have ignored the certified requests to provide the additional information needed for my office to conducted a proper investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CARD Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have never used the card and my first direct deposit was supposed to be loaded onto the card on Friday XXXX XXXX. On Thursday XX/XX/2019 I started to get text alerts around XXXX XXXX  that all kinds of charges were being made from that card. I looked to find out my card was not in my possession. I immediately called to report the card stolen. It's been since last week and they still won't issue me a new card and still won't credit back the amount taken from me which was over {$300.00}. I need to access the funds so I can pay my rent. Otherwise I face becoming homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Information belongs to someone else

Complaint:
filled police report and ftc report please help fix these issues im having please remove and block the acounts of issue please remove under FCRA ACT 605 B

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 2018-07-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I pay my XXXX XXXX  credit card balance down to {$0.00} as frequently as possible. 
On XX/XX/18, I attempted to use the credit card at a local restaurant and it was declined. I called XXXX XXXX, and they explained that because I was making payments " too frequently '' a hold had been placed on my entire credit limit until all of the pending payments had cleared from my checking account bank. The current balance ( and corresponding pending payment ) was less than {$100.00} at the time, and there should have been over {$15000.00} in available credit. 
I called back on XX/XX/18, and the supervisor indicated that there was no evidence on my account of a hold, and could not reference a policy that would authorize a complete freeze on my line of credit pending the payments being posted when I asked for a copy of that policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
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 disputed the bankruptcy on my Equifax credit report and Equifax claimed they verified the information through XXXX but they could not have due to a freeze on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : 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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 filed a complaint online via Transunion LLC regarding an inaccurate balance on my XXXX XXXX card account as an authorized user. The result, on XX/XX/2021 the account was removed in error by Transunion, LLC resulting in a droppage of my scores on XX/XX/2021 ( please see documents to support my claim ). I immediately telephone Transunion, LLC on XX/XX/2021 to file a telephone dispute. A Transunion representative informed me on XX/XX/2021 to notify XXXX XXXX and get XXXX XXXX to placed the card back on my credit profile. After reviewing my credit profile, both accounts of my XXXX XXXX accounts as an authorized user have been mistakenly removed by Transunion in Error.

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 2019-05-31
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Had XXXX XXXX  in my account and cashed a check to pay phone bill. Let them know I did not use this account anymore and wanted to close it on XX/XX/2019 at XXXX XXXX PNC Bank. Let them know I didnt need it because I am a student and still dont have a job with incoming income. They tried to get me to sit down and sign up a free student account but I did not need it because I have a school account. I called today both branch and corporate only to find out my account was not closed and had encountered two service charges putting me negative. I started this account thru a construction job that paid XXXX XXXX an hr XXXX a moth deposit. A woman hit me with her car after a year and took me out of work for a year. I had no income and wasnt being charged a service fee ever. I could never go back to swinging a hammer because of my back but am in school at the college of XXXX XXXX  as we speak full time. I am a XXXX yr old with XXXX XXXX yr old and a spouse who is XXXX with my XXXX child. We receive XXXX XXXX a month in food stamps and have no income coming in at least until I graduate. I plan on going XXXX in the XXXX XXXX for construction management. This is just a temporary bump in the road and I thought this would be the best way to get my case officially recorded. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10
Company: Thunderbird Collection Specialists, Inc.
State: AZ
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:
THUNDERBIRD COLLECTIONS Last reported : XX/XX/XXXX {$1000.00} Needs Attention Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX. 
Creditor Information THUNDERBIRD COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Capital One credit card was stolen on XX/XX/2023 and a fraudulent charge for {$800.00} was made later that day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-21
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: Information belongs to someone else

Complaint:
EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber

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 2023-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have a mortgage with 53 Bank. I made my regular mortgage payment in the amount of {$790.00} for the month of XXXX ( it is due on the 1st, and I am allowed to select the date that I make my payment which is the XXXX ). I made a curtailment payment on XX/XX/XXXX  in the amount of {$2000.00}, where I requested the total be applied to the principal. 53 Bank deducted a mortgage payment from that amount even though I did not request it. My XXXX payment was not due yet, so am not sure why my payment was not applied as I requested. I also have inquired about bi-weekly payments and this is an option they do not allow. They seem to do everything to work against the consumer being able to pay their loan off. These companies realize that its not easy to just go to another lender because the rates would not be in the consumers favor and they try to monopolize off of us in any way that they can. Nonetheless, I made a curtailment payment prior to my due date and it should be applied accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

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 2019-08-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was on the look out for a pair of XXXX XXXX XXXX yellow shoes, when i came across a guys page on XXXX XXXX. His name according to him is XXXX and we talked on XXXX XXXX where he proceeded to tell me he only took payments through XXXX or XXXX, we exchanged numbers and continued to speak through text ( i still have all of them ). After sending him the money through XXXX {$260.00} on XX/XX/2029, i asked for a tracking number to which he said he took a picture of and would send it, but he never responded to me or gave me the tracking number after multiple attempts to contact him i gave up. i contacted XXXX XXXX  and they said they couldnt do anything about it. i called my bank and because it was through XXXX they said theres nothing they can do because it was an online transaction. I basically lost {$260.00} and my bank isnt willing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation