BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
i had this capitol one credit card account open since XX/XX/2020 and ive been making payments on time with no problems and never been late and i always paid my credit card bill in full and once never granted a credit line increase at all and i keep getting denied and my credit is not bad with other credit cards and i dont have any late payments on any credit cards and im in the middle of the process of removing some fraudulent inquires off my equifax report my credit limit is still at {$300.00} limit still and yet i haven't granted a {$500.00} limit from this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Premier Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX was referred to us by a material supplier to initiate the lien process on a project for which services had been completed, but payment was being withheld by homeowner. After months of inactivity, our company pursued the homeowner directly and received {$3800.00} for our services. This amount was in contrast to the total cost of the project, {$9600.00}. Informing XXXX that our company had received payment, we were asked to submit payment in the amount of {$2400.00}, or, 25 % of the original {$9600.00}. 

Our company did not believe the services provided by XXXX would warrant such fees but had not refused to pay a settlement amount. Instead, we wished to enter into negotiations with XXXX and maintained that fees should be calculated from the amount actually received. 

Our request was met with a verbal berating by employees of XXXX, several of which, completely unprofessionally resort to vulgar language, threats to pursue criminal charges, and threats to initiate legal action directly against our employees. 

Furthermore, our employees were never notified calls with XXXX would be recorded. While we do not fear recordings in XXXXs possession, as we hold our employees to a high degree of professionalism, it is worth noting CA has two-party consent wiretapping laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Eagle Accounts Group, Inc.
State: TX
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 showing as derogatory on my XXXX credit report. I have disputed this issue and had this removed from other credit reports. The account is not derogatory. 
XXXX XXXX XXXX XXXX XXXX - BUREAU ACCOUNT DESIGNATOR individual DATE OPEN XX/XX/2010 HIGH LIMIT - MONTHLY PAYMENT XXXX ACCOUNT BALANCE XXXX LAST REPORTED - ACCOUNT STATUS 120+ days past due AMOUNT PAST DUE {$1400.00} Derogatory Contact Info : name : : XXXX XXXX XXXX XXXX address : : XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX phone : : 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 2021-06-24
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Bureau Of F refused validation of the alleged debt claim I owe. I have requested proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which obligates me to pay this debt of {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My husband had emergency XXXX XX/XX/2018 at XXXX XXXX Hopsital in XXXX, GA. He went into another XXXX 10 days later because a XXXX was removed within 3 hours instead of waiting 7 days. Because of this removal, he had a XXXX XXXX XXXX and was sent back to the hospital to XXXX, involoving unnecessary charges. I contacted the Patient Advocate line for the hospital to dispute paying the second XXXX bill because that was the negligence of the physician for removing the XXXX too soon. I received a letter from the Office of Medical Affairs on XX/XX/2018 from XXXX XXXX saying he would look into this matter and the account will be frozen until the problem is resolved. 

We were making monthly payments on the account. On XX/XX/XXXX, we made a {$150.00} payment towards our balance of {$1800.00} via the online portal for the hospital. We made an additional payment XX/XX/XXXX, for {$50.00}. 

XX/XX/XXXX, we get a phone call stating that the balance has been moved to a collections agency. We received no warning, written nor verbal that the balance was being moved. We were also making monthly payments on the online portal for the account. Why was it sent into collections when we were cooperating? 

I want to bring attention to this matter as it was wrongfully handled and we desire justice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Earlier this year I discovered that I was a victim of identity theft and was disappointed to find out that someone unknown to me had used my personal information to get credit card accounts, lease and apartment, get pg & e, phone line and also filed a bankruptcy all with my social security number. Since I was not aware of the accounts they all got charged off and eventually ended up in collections. I have been diligently working with the credit Bureaus to repair my credit ; up until now XXXX  and XXXX have deleted the erroneous items from my credit profile. I am still having trouble with Equifax ; I have submitted an FTC report a police report and have asked Equifax to show me where they receive their information for bankruptcies. Equifax told me they receive their information from two places, they said the court reports to them and that XXXX XXXX also reports to them. I have received letters from both entities and they do not report to the Bureaus ; therefore this is considered an inaccuracy on my credit report by the consumer reporting agency. Per the FCRA 611 the consumer reporting agency is required to furnish verification to the consumer as to how or where the consumer reporting agency receives their information. They will not tell me where they get their information and have not removed this inaccuracy from my file. I have written them several letters to no avail. I have sent them many certified letters with date stamps ; per the FCRA they have 30 days to reinvestigate and determine a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions 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:
On XX/XX/2020 all accounts were paid in full. The statement was provided over XXXX times to experian and they have not did their due diligence only accepting message from the credit company and never provided what evidence they were given to substain that the payment was not received or paid in full. They refuse to remove the negative accounts and to date they have blocked me from filing any more disputes from their site. 

Paid 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 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from TransUnion so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : XXXX, TransUnion, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, TransUnion and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, TransUnion or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!

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 2021-05-21
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On approximately XXXX XX/XX/2021, a home loan refinance with cash out was initiated with Pentagon Federal Credit Union. Throughout the application and review process, I communicated that I was an XXXX XXXX service member serving overseas and that my spouse would sign closing documents via certified special home refinancing power of attorney. On several occasions documentation was requested and provided to include the special POA. Application fee was paid, refinance rate with cash out option was locked, and a home appraisal was scheduled. On XXXX XX/XX/2021, PENFED provided notification " unable to use Power of Attorney for a cash out refinance. '' Also added, " Unfortunately, this means that we can only do a refinance of the mortgage balance with NO CASH OUT, or you would have to be able to sign on your own behalf at closing. '' I thoroughly communicated that I was a XXXX XXXX serving overseas on multiple occasions to ensure this would not be an issue. PENFED misled on their availability of services from time of application and no less conducted bait and switch tactics. I don't understand how a refinance with cash out application was approved with use of POA but after approximately one month, only a refinance without the cash out option can be closed with a POA. The company states a POA can be used to refinance but not with the original conditions agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2019 I contacted Equifax to inquire about my credit file being Flagged / Blocked I was Informed to submit/ FAX documents ( Birth Certificate, Drivers License, Social Security Card, and a current Utility bill ( for current address ) to confirm identity in order to remove FLAG / LOCK. All of the things that one would need to commit Identity Theft. 
As per request, I faxed over the required and requested documents on XX/XX/2019 at XXXX : XXXX Was informed that I would receive something in the mail that would confirm that the documents / fax was received. 
XXXX Tuesday, XX/XX/2019, I contacted Equifax to follow up on my request, on to be informed that Equifax did not have my faxed documents. 
I Inquired about that fax number and the representative informed me that she did not know the number that I gave her. 
Then I requested that Equifax search for the fax ( check the fax machines history and pull the fax from there. While Equifax did not directly say no, they informed me that the only way that they could help me was to resend the fax. In this day and age of Identity Theft and SCAMS, I am extremely RELUCTANT to resend anything to Equifax as CLEARLY they are NOT responsible! 
I am DEMANDING that there be some results and accountability for this issue. This does NOT instill CONFIDENCE on ANY LEVEL!!!! I simply want these issues RESOLVE and for Equifax to be RESPONSIBLE and ACCOUNTABLE for their actions, just as I MUST! 
They need to locate the original fax that I sent and use that. Until then because of their INCOMPETENCE, I must suffer? Perhaps I should charge the {$100000.00} per day for every day they all this issue to go unresolved. OR perhaps they need an XXXX XXXX XXXX for their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any reason.

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 2019-10-08
Company: UMB FINANCIAL CORPORATION
State: CO
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:
UMB Bank solicited my business by offering me {$200.00} as a reward incentive for which I qualified and my XXXX account was credited. 

The UMB Bank credit card solicitation promised ... '' With XXXXXXXX XXXX   Zero Liability Policy, you're not responsible for unauthorized charges .... ''. 

An 'unauthorized charge ' of {$140.00}, per 'sales ' invoice dated XX/XX/2019, was posted to my account. 

In lieu of UMB Bank honoring its " Zero Liability Policy '' the unauthorized charge of {$140.00} was debited against by {$200.00} cash reward incentive ( XXXX XXXX, 2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account at Citi, i think its a brokerage account but i opened it at the branch. this account was opened in XX/XX/XXXX or around about that time. I have been trying to close the account since XX/XX/XXXX. I have gone back to the branch they have said they cant help me. I have gone to another branch they have said they cant help me. i think its their wealth management people that need to do this. but they will not tell me who to contact or where to go to get it. 
I have tried calling the number on the statement, i have tried calling the secondary broker they used that sent me a letter saying the account is considered abandoned. all the numbers they give me have gone back to the same auto attendant that has no human option and no option to help me. 
I called their other back up broker XXXX  multiple times and they finally gave me a number for Citi that went to a voicemail for which i have left at least 5 messages for.

I know this sounds rediculous and i sound crazy, but i have written FINRA as well, and no one seems to respond to me. 
My account number is XXXX and the value of the account is about {$5000.00} or {$5500.00}. I am not sure where to turn to, as no one will help me. I think spending ten years to try to get my money or stocks back from a bank like Citi is  excessive and the amount is not even that much. I have statements and letters but i dont have anything recent as they have stopped sending statements and i have changed my address.

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 2019-10-08
Company: Experian Information Solutions 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:
XXXX XXXX  ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT XXXXXXXX XXXX STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM XXXXXXXX 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 2019-05-26
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:
There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. 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 explanation
Consumer complaint received 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 three fraudulent transfers were made from my Bank of America accounts two from the checking account and one from the savings account through a service did not know about or ever used. Contacted the fraud department claim XXXX and made the police report Case XXXX. After days of running back and forth trying to do what they requested they denied the claim as they said the transfer was made from my device. I am not sure how it happened, but I told them I did not do or authorize the transfers. For decades been a customer but it did not matter, I have no way to prove it but those transfers were fraudulent. The burden of proof is on the victim not who committed the crime. The victims specially the elderly are being victimized losings all their funds. BOA is not only not protecting the consumer but also by putting the burden of proof on the victim.

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 2019-05-21
Company: Medical-Commercial Audit Inc
State: MO
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:
Today I checked my credit report and it shows 3 accounts in collections from a agency MCA ( XXXX XXXX original creditor ) This is not me its is my dad 's accounts. I'm XXXX he is XXXX. Went i called MCA to tell them this they hung up on me twice and said " maybe your dad should just pay his bills then ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XX/XX/XXXX {$670.00} was posted to my credit report on behalf of XXXX thru Sources Receivable Management. I have never received any paperwork from XXXX that monies were due. I have not been a customer since XXXX. I have submitted multiple disputes from XXXX til now stating that the information is incorrect. I have also requested proof of charges for the debt and to no avail. I have also asked that if the debt can not be proved to remove from my credit profile. I have no knowledge of what is owed and why and that any attempt was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company in question is : XXXX, XXXX, XXXX XXXX XXXX, XXXX . XXXX, XXXX, SC XXXX. 
I filed a complaint with the XXXX XXXX XXXX to no resolve. They recommended I pursue this avenue for a possible resolution. 
I have drafted a letter to your office and I need to attach for your review. Thank you.

Company response to consumer: Closed with explanation