BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called to combine 2 cards. I was told because one card was in my company name and the other in my personal name they couldn't be combined. I was also told because one card had a credit balance they couldn't be combined. I requested to receive the credit on one card via check which was sent and it now shows a {$0.00} balance. The other card was switched to be in my company name so now both cards match. I then attempted to combine the cards again and it still wouldn't online. I asked if someone could manually combine and I was told they couldn't. No company should be allowed to offer a product that they can't enforce. I'm being told after making at least 4 calls requesting for someone to assist that they are not able to help with the problem. The combining can only be done online and they have no idea why it isn't allowing me to combine my cards. I believe that is unacceptable and the company should not be allowed to false advertise a product they either can't or simply won't follow through with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: MIDFIRST BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX XXXX does submit a statement to the Consumer Financial Protection Bureau ( CFPB ), not necessarily as a complaint, but as a resolution to a current foreclosure matter that can be easily resolved. Over one year ago, I took possession of a home where the owner needed to move back south to XXXX. Initially I tried to refinance the property, but because the property was already in default, there were no traditional mortgage programs that would approve the transaction. I was also in a period where I was rebuilding my personal credit. I then tried borrowing funds at an excessive rate of 14 %, but the math simply made the transaction a huge loss for me to go through with it. When the property went into a foreclosure status in XXXX of 2018, I was in the position that I had to defend the action pro se. However, I have attended the property needs such as repairs, and I desire to move into the structure as an owner/occupied property, make mortgage payments, acquire property insurance, and eventually refinance the home altogether. I am requesting that {$40000.00} of the current balance be placed in forbearance. The amount should cover the unapplied balance. The current interest rate is an exorbitant 9 %, which needs to come down to 3.5 %. In this fashion, I can afford a payment that will be reasonable, and I will agree to refinance the property after 24-monthly payments. There are simply too many foreclosures in the XXXX, XXXX XXXX area, and the property I own does not need to be in those statistics. Accordingly, I request the CFPB to be a go between on this matter, post the file on the internet as a foreclosure workout scenario, and place the complaint with the Comptroller of the Currency and/or the Federal Deposit Insurance Corporation as a mandate showing that there are reasonably solutions to foreclosure matters that does not require years of litigation. The judge at the XXXX County Supreme Court desires to see this matter worked out without the option of foreclosure, and I am in a position to do exactly what is best for this 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 2019-07-15
Company: EQUIFAX, INC.
State: MD
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 are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}

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 2021-04-23
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My wife received a diagnostic imaging test at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX billed our insurance accordingly, and was paid in XX/XX/XXXX. The hospital appears to have contracted the radiology with XXXX XXXX XXXX, XXXX, who sent us a separate bill in XX/XX/XXXX, which is not consistent with the contracted insurance coverage that was accepted by XXXX  XXXX XXXX XXXX never billed our insurance and no explanation of benefits was ever created, so we assumed that the bill sent to us was in error. We never received another bill or any other contact from XXXX XXXX, so we assumed that they had resolved the issue with SVMC. In XX/XX/XXXX, my wife received a notice from CMRE Financial Services ( a debt collection company according to XXXX ) that was sent to her employer/HR Dept. When we contacted XXXX XXXX 's billing company XXXX XXXX, they admitted to billing the account incorrectly and claimed that it was never sent to collections when asked specifically three times ( ie : they lied ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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:
There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.

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 2020-10-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This person is calling my cellphone threatening me about a debt my little sister owes. I have no knowledge about the debt. The person is stating that I was listed as a " Secondary ''. They do not state what type of " secondary ''. I have not authorized anyone to use my name as a secondary to anything. The person calling is threatening to go to my home ( he verbalized my address ), report me to court as a missed court appearance. I have nothing to do with any debt that he is trying to collect form my little sister. I told the caller that they are calling the wrong person and they should stop calling me. The person continued to call me from a blocked number and leave a threatening message on my phone. They also left a telephone number stating if the call is not returned by noon the following day, they would go to court to say that " I '' was a missed court appointment. The number they left is XXXX XXXX XXXX referencing case # XXXX. They stated their name as XXXX, a process server.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my Credit report from Experian XXXX XXXX XXXX. Amazingly my XXXX XXXX was finally BACK to where it was a minimum of XXXX months ago and get this BEFORE I paid down multiple accounts. To tell me this score and report is NOT incorrect is demeaning and frankly insulting. They can NEVER calculate the correct score for anyone because their information can be XXXX or more months old. You on the other hand profess to be a consumer " protection '' agency while this continues unabated impacting millions of Americans forcing adverse action or high interest rates. Frankly other Americans are too XXXX to recognize the fraud and it is fraud when one deliberately provides false or misleading information. The consumer suffers penalties for that, these agencies NADA. I don't give a XXXX let them wake up. I just want me and mine to have their right scores. Rhetorically, do you think as honorable ethical people you can get that done? XXXX Experian data XX/XX/2019 2019

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 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 opened the new Master credit card from Capital One in XXXX XXXX. They had advertised and promotion in their Website and, spend {$500.00} and receive the bonus {$150.00} in three months and I applied for the Master card and received in XX/XX/2020 and used it for three cycle billing. I spent more than {$500.00}. I called and talked to them, but they denied and told me " They did not approve me for the bonus {$150.00} their promotion '' It is gimmick and cheating the customer in Pandermic Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is continuing to report inaccurate information on my consumer report without my consent. I do not know who US DEPT OF ED/XXXX is nor do I have a student loan with them. I have requested they remove this inaccurate account from my report. They said after reinvestigating that it came back verified and accurate. I am requesting the method of verification because I, the consumer, do not validate this account nor know who this company is. Fix this issue or you will be held civilly liable for committing fraud by advertising inaccurate account information on my consumer report without my consent which directly impairs my ability to apply for 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 explanation
Consumer complaint received 2018-03-26
Company: Asset Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call not identifying myself at my work place from a rude gentleman asking first for me and then to speak with a manager, and I asked him if he had permission to contact my employer and he stated to my me that he want to speak to my manager again, left a number then hung up the phone. 

He claimed that he did not know if I worked there and to forward his number to anyone and he was very rude and speaking over me the whole time. 

I don't even know what debt he is trying to collect. 

He called from XXXX and then XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XX/XX/2021 XXXX transferred Simple account holders to their online banking. I have been locked out of my account since then. The bank has locked my account and any attempts to reach customer service have failed. They specifically opened up customer services lines today XX/XX/2021 to deal with this issue, however, as soon as you get through to a rep and tell them your issue they hang up the phone on you. The bank has not done their due diligence to keep new customers informed about issues. Instead of emails letting us know what is going on they are posting it to twitter. This is highly unprofessional and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX 2020 My friend purchased 2 VISA VENILA GIFT CARDS From XXXX XXXX  in XXXX XXXX XXXX California each card for {$500.00} total of {$1000.00}. 
For a month due to covid in left the cards in my purse at home, on XX/XX/XXXX I decided to use the cards, opened the packets and took the cards out tried to use them, Both cards where used to the max without ever been taken out of the packet. 
I contacted Vanilla Visa card customer service 1- a case was filed and I was promised to receive a dispute package by email within a day. I called after 2 days same promises now had to wait for another 3 days and again I called same story but no dispute package. 
Then on XX/XX/XXXX they claimed that there was no case at all after 47 minutes hold they hung up on me and upon my second call I was told their system is down Today XX/XX/XXXX I called and a supervisor got on the call after22 minutes of holding and Informed me that he can see my call logs but he needs to start the case again. 
It is obvious to me that they are using this tactic so I will disappear and problems will go away. I will not go away please help me with getting this issue solved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked my credit report on XX/XX/XXXX to find that my collective XXXX student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to XXXX who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to Experian. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed some bankruptcies listed on my credit report with XXXX XXXX as they were the agency that was used to verify the information. I received a letter from them stating that the information could not be verified and and would be removed from my public record. I have included the letter that was sent to me. 


I then contacted all 3 credit reporting agencies, notifying them of the removal and they should follow suit. I receive a response from Experian on XX/XX/2018 that the bankruptcies that were listed were valid because they were verified within 30 days. 

I contacted XXXX XXXX to confirm that the removal had taken place which in fact it had. I will be receiving a confirmation letter in 7 to 10 business days. 

I then contacted a representative at experian to obtain clarification. She explained that the bankruptcies are listed as public record and that someone physically goes to the bankruptcy court to obtain this information. I then asked for that person but she failed to provide me a name. She then in turn stated that they call and obtain the information I then asked " what prompted you to contact the bankruptcy court to see if I had filed a case? '' she stated that it was public record. I then explained to her that my public record is created by some entity which they used to obtain this information. I would like to know what that is. What are your policies and procedures for obtaining public record information? She stated and continued to state that she did not have that information and no one in the office could provide me with that information. 

I took the liberty of contacting the number that is listed on my credit report for the bankruptcy court. I spoke with a representative that stated that they do not provide this information to any credit reporting agencies it has to be requested with the person 's valid information or it can be accessed a system called " XXXX '' which anyone can create profile and gain access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple repeated calls from Syncrony Bank after they were informed to stop previously. Recent calls were XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XX/XX/XXXX XXXX XXXX. Voice messages were left at XXXXXXXX XXXX, XXXXXXXX XXXX, and 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 2021-08-18
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I entered into a consumer credit transaction on XX/XX/2019 with XXXX XXXX XXXX XXXX, a consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but cash was taken by XXXX. The finance charge is also supposed to include insurance but XXXX made me purchase insurance separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: ERC
State: CO
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 falsely claimed to a collection agency XXXX XXXX XXXX that I owe them {$100.00} from 2015 citing an account number that is not mine. I still have a different XXXX XXXX account number with a zero balance on automatic payments. I believe XXXX XXXX is either negligent or engaging in illegal business practices to try and force me to pay them money they are not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Netspend sent me a debit Mastercard in the mail with instructions on how to activate the card and set up a direct deposit into the card. I have never heard of Netspend before the mailing arrived, have never used their services, and have absolutely never requested a card from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Went to bank of America to open checking account ( XXXX ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. Bank of America stole my personal info and over 5 months later behind my back reported me to XXXX XXXX  that I had committed fraud. XXXX XXXX then sided with the fraudulent bank branch and put my name in XXXX XXXX for " suspected fraud '' after reviewing info from bank of America showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, XXXX XXXX  continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by 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 explanation