BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 customer service

Complaint:
On XX/XX/XXXX, I called Capital One to request a replacement credit card as the chip on my card was worn and not reading at all merchants. On XX/XX/XXXX, I called Capital One as I had not received the replacement card and was told, that they had no record of my call. They further explained that whenever a customer calls for any reason and the account is opened, a notation is automatically placed in the file. 
I know for a fact that I placed the call on XX/XX/XXXX but no one seems to consider the possibility that a glitch occurred in their system. Plus, I  did not understand why the customer service agent did not request the card to be sent or made any notes herself in my record. I then spoke with a supervisor Named XXXX who did nothing. I asked for her supervisor and was told, she was as high as I could go. 
After our conversation, I checked my cell phone records and confirmed the 6 minute call to Capital One on XX/XX/XXXX, and the number called. On XX/XX/XXXX, I called again to alter someone to the issue and again, talked with another supervisor XXXX, asked for the phone to corporate to discuss with them and was denied any information. 
I am extremely concerned that Capital One is totally unconcerned about the lack on documentation in their system of my call and request for a new card. How many other calls have not been recorded? What if my card had been sent to an unknown person? This issue needs to be addressed with corporate, to pull the recorded call and discover the reason there is not documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, someone broke into my truck, stealing both my wallet and phone along with a few less important items, headphones, chargers and such. 
After breaking my driver 's window and stealing my items, they made 2 purchase on my debit card, 1 for {$4200.00} and the other for {$220.00}. 
I filed a police report and reported the fraud to Chase Bank. When I filed my report with Chase Bank, I asked if they needed my police report and they said, if required, someone would reach out. 
Then Chase Bank denied my case, with no one reaching out to me. So I sent in the police report and receipt for fixing my truck window to ensure they had everything needed for my case. However, they denied it again, stating they are not responsible since they verified the cost through my phone, which was also stolen. 

Now, I'm not sure whay to do because XXXX essentially said they have zero responsibility, even though the purchase was verified through a phone that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: GOLDMAN SACHS BANK USA
State: GA
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:
ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; APPLE CARD / GS BANK, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
ON XX/XX/XXXX I RECEIVED NOTIFICATION FROM THE HAZARD INSURANCE PROVIDER THAT LENDER FAILED TO PAY THE POLICY RENEWAL FOR COVERAGE FROM XX/XX/XXXX THRU XX/XX/XXXX. ON XX/XX/XXXX LENDER MAILED ME NOTIFICATION THAT AS OF XX/XX/XXXX HAZARD INSURANCE HAD EXPIRED AND REQUESTED EVIDENCE FROM ME OF COVERAGE. I HAVE HAD AN ESCROW ACCOUNT SINCE THE INITIATION OF THE LOAN AND LENDER FAILED TO PAY THE INSURANCE WITH THE ESCROW ACCOUNT. THE INSURANCE POLICY COULD NOT BE REINSTATED ACCORDING TO THE INSURANCE REPXXXX ON XX/XX/XXXX WHEN I CALLED. SO LENDER IS RESPONSIBLE, ACCORDING TO REP.

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 2023-02-28
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received 4 NSF fees from Bank Of The West, I was never notified by text or email that my account was over drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: I.C. System, Inc.
State: SC
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 became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is 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 explanation
Consumer complaint received 2019-08-04
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX Business Mastercard by Barclays Bank. I was approved with promotional terms stating " Spend XXXX dollar and pay annual fee '' and receive XXXX XXXX XXXX miles within 90 days. '' I have fulfilled those terms and they are refusing to reward the miles to me.

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 2023-11-22
Company: Bread Financial Holdings, Inc.
State: CA
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:
Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. It is frustrating that these inaccurate reporting were severely damaging my financial standing and creditworthiness. I wonder what investigation you are doing that these inaccurate late payments keep on tarnishing my credit report. 
I want these accounts to be updated accurately : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: OR
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 Account # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-10-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am submitting this complaint against Experian due to their inability to correct an error in their system. Recently, I requested an Auto loan from XXXX XXXX XXXX, which I was denied from because Experian is reporting to them two different credit lines, with two different names however with the same social security number which is my number. 
I have contacted Social Security multiple times to make sure my social security was only assigned to me and to make sure they do not have another person utilizing my number in their system. Social security has confirmed that they only have my number for myself only. 
I have also requested my credit reports from Experian, XXXX, and XXXX. All three reports are the same and there are no accounts that I have not opened. All three reports appear to be only my information and with accurate credit history. 
I have been calling Experian several times since XX/XX/2020 to fix this issue that they are reporting to XXXX XXXX  XXXX. Three times Experian stated they would fix the problem within 3 to 5 business days however every time I called back the problem was still present. Additionally, twice on separate occasions I was told by Experian that they would submit a form to fix the problem and I would need to provide them with supportive documentation including a copy of my ID and a copy of my Social Security card. The documentation that they asked for was mailed to Experian and they confirmed they received it and it is in my file. Now Experian has confirmed that they do in fact have another credit file under the same social security number and that they do not have a way to fix that even with supportive documentation. I have asked many times to speak to a supervisor or someone that can help me fix this and they tell me they do not have a way to fix this problem. They suggested I attempt getting a loan through a different company as they can not fix this. 
Ultimately, consequently I attempted to open a new credit card account and was also denied. This issue is affecting me in many ways as I can not obtain new credit lines or loans while all together affecting me from being able to purchase a vehicle. Attached is a copy of my ID, passport, Social Security card, and proof of residency document for supportive documentation to prove I am who I say I am.

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 2020-02-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  XXXX XXXX ) XXXX, Case No.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Synerprise Consulting Services, 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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On behalf of my late grandfather 's safe deposit account, The Staff at the XXXX XXXX of Capital Bank was forced to close his account on XX/XX/XXXX without his knowledge by mail. Unfortunately, he passed away on XX/XX/XXXX. My family and I have attempted to get his valuable contents from a safe deposit box. The contents are {$10000.00} cash, jewelry, and a XXXX property deed. Therefore, It has been unsolved since XX/XX/XXXX, even with help from an attorney. Recently my attorney filed a petition from a XXXX XXXX XXXX last XXXX, but still no resolution because of the unassigned file number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NE
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: NJ
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 DISPUTED ACCOUNTS ON MY CREDIT FILE multiple TIMEs and EXPERIAN XXXX  and XXXX  have refuse to complete a investigation in disputing in removing. the inaccurate information from my credit file. I have dispute this information for the last 12 months.

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting incorrectly that I am 30 - 60 days past due on XXXX XXXX   - account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage Corporation is running a scam on their existing customers in an attempt to get them to refinance. MidXXXXXX/XX/2019 Freedom Mortgage contacted me and informed me that I was a premier customer due to my account status ( never late with payments ) and as a reward they wanted to lower my interest rate by 0.2 %. All I had to do was refinance my loan and they would pay for all the costs - XXXX  dollar out-of-pocket. When asked why they were doing this, their answer was that they wanted to keep me as a customer and not refinance with another company and reward me for being a premier customer. Bottom-line, they sent me through a refinancing exercise that ended up with a new loan amount that had a {$3900.00} increase over my current loan balance ( {$2700.00} of which covered the refinancing fees ). When I reviewed the final loan documents and noticed the {$3900.00} increase over the life of the note ( 287 months ) they responded by stating that actually I was no longer eligible for the loan due my retirement income stream and they were cancelling the application. Total scam. Wonder how many retirees are getting taken by this 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 2017-12-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I do business with XXXX I have reported them multiple times about fraudulently going into my account I called American express and told them I did n't give them authorization to go into my account on XXXX I did n't get paid til the XXXX how did they authorize a charge that I did n't say was approved before I got paid they have not given no answer and wo n't refund my money because they stated I do business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I received a letter from BSI Financial Service stating that I owed {$12000.00}. I paid, not knowing what that payment was for. 

When I logged in on XXXX  to pay my XXXX mortgage, I again saw that I owed XXXX again.. 

I checked my payment history and saw that I paid XXXX on XX/XX/XXXX Under Recent Transaction Activity, XX/XX/XXXX {$120.00} payment was made and is listed as " Cash Receipt. '' ( note I don ; 't know what that means ) I called BSI at XXXX XXXX PST Monday, XX/XX/XXXX, and Tuesday, XX/XX/XXXX, to find out what this additional {$120.00} payment is for. 

I got a recording of your wait time is over 10 mins. Each day I waited 20 mins then Click 1 for a callback But received no call back on either day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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 XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation