BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a {$2500.00} transfer from my Capital One 360 Savings account to an external account on XX/XX/XXXX. As of the writing of this complaint, XX/XX/XXXX at XXXX XXXX PST, I have not received the funds into my account. I sent a message via XXXX after attempting to get through on the bank customer service phone line. ( High call volume ). The response via XXXX indicated that transfers to external accounts take two business days ( it has now been 6 business days ).  I was told to initiateI a secure chat through an online session. The result is that I am being told to wait ANOTHER TWO business days to research the issue with no direct point of contact for follow-up. 

This is not the first instance of this occurring. In the last instance my account overdrafted due to the delay in funds transfer. I have a credit bill due TODAY for which those funds are needed with another bill due tomorrow. I initiated the transfer with sufficient time ( per XXXX message the standard is two business days ). 

While they are " researching '' the issue, they have not provided a direct point of contact, issue # or service agreement that I will receive any communication in response to the research. 

I have had multiple investment accounts and savings accounts with Capital One for 10 years and this level of service shows a blatant disregard for customers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 filed a dispute with Transunion XXXX XXXX. The dispute was to have Chapter XXXX removed from my report. It was originally discharged, XXXX/XXXX/XXXX and only reopened for a month in XX/XX/XXXX to correct a document. It should not remain on my report. I have not heard anything from Transunion after faxing the information. When I go online and enter my dispute # nothing comes up. I have called twice and nobody can give me any details of how they are resolving the situation. When I look at my credit monitoring it still shows up and my scores have dropped by 20 + points. There is also another negative remark from XXXX XXXX XXXX that shows as a discharge on my report for {$1000.00}. It was recently added XXXX XXXX. I mentioned this in my dispute and they are doing nothing on my behalf to investigate this. The item from XXXX is not my loan. This was a loan they had with my son that was closed XX/XX/XXXX and now they are adding this negative remark to my report 14 years later. It is my ask that these things are removed from my credit reporting with Transunion and any other reporting agencies. I have tried to get answers from Transunion but I am getting nowhere.

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 2019-02-22
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had 3 fraudulent charges placed on my account on XX/XX//2019 in the total sum of {$740.00}. I received a notification from the bank, Barclays, about unusual activity, so I immediately called Barclays. They agreed to dispute the charge and send me a new card. I received the new card, but Barclays then told me that their investigation showed the card 's chip was used in the transaction, so they believed I used the card and refused to remove the fraudulent charges. I called them two times and was told the same thing both times.

However, two other credit cards of mine from different companies were also used for fraudulent activity on XX/XX//2019 during the same time period, but the other two banks, XXXX XXXX and XXXX, both removed the fraudulent charges without issue.

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 2023-07-14
Company: EQUIFAX, INC.
State: NY
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 recently disputed negative items on my credit report and didn't get a response back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a fraudulent charge from XXXX XXXX ( debt collector was XXXX XXXX ) for services that I did not approve, consent, nor request in XXXX. I was not made aware that I could dispute the debt. In XXXX I used the XXXX XXXX app on my phone and discovered I could dispute the charge through XXXX. I successfully disputed the charge and it was removed in XXXX for roughly 6 months. Around 2 weeks ago from today ( XXXX ) the debt was reinstated onto my credit through XXXX without any form of notification, which has now costed me a home loan that I was applying for to purchase a home. This debt reappeared on my credit with a date of XXXX ( which is incorrect as verified to me from XXXX XXXX and XXXX  both ) with the debt collector still being XXXX. I attempted to contact both XXXX and XXXX  to remove the charges ( unsucessfully ). I also tried to redispute the charge through XXXX, and my dispute is not even showing up a week later from submitting ( so I'm assuming it has been denied ). This activity, as I have researched and discovered, is illegal. I was not given the required 5 day written notification, nor was I given the opportunity to contest it. The unscrupulous debtor put in the wrong date. And, most importantly, this is a fraudulent charge that I never signed a contract for to receive any services from XXXX XXXX ( and did not receive ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After getting my XXXX and my first job as a XXXX, I started repaying back my XXXX student loan. I began to notice that the monthly payments were rising quickly because the loan was not fixed. I decided to refinance with a fixed rate with my mom as the co-signer. We were shocked to find out our refinance was denied due to my credit report. We finally were able to speak with a representative from the lender to find out more specifics of the credit report. The student loan that was taken out through my mom 's XXXX XXXX   XXXX XXXX was listed as a " line of credit '' and showed up as such on my credit report. After many many calls to the original lender, processor and XXXX XXXX, we find out that indeed this is the way the students loans were packaged so that the university could draw on the account each semester. We were obviously not aware that this could adversely effect my credit. Since it is listed as a line of credit, my numbers are off even though my credit score is extremely high. This has affected my ability to refinance as well as my credit for anything else I might apply for. Effectively leaving us with no options and at the mercy of the current raising rates. No one has been able to assist us and we have received quite the run-around in trying to figure out how to proceed with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Innovis
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:
I have uploaded the document from XXXX  as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is XXXX XXXX also called XXXX XXXX XXXX, " XXXX, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : XXXX XXXX XXXX XXXX   XXXX : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Village Capital & Investment LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After I filed initial complaint # XXXX on XX/XX/XXXX against XXXX XXXX XXXX XXXX company restricted my online access as well as that of the co-borrower, so we could not make payments. 

The company ( via XXXX who said he is a XXXX XXXX XXXXXXXX ) called me on XX/XX/XXXX and left a voicemail. I returned the call this morning ( XX/XX/XXXX ) and was on hold waiting for someone to answer for app. XXXX minutes. I later received a call from XXXX XXXX on XX/XX/XXXX ) to discuss the initial complaint, he advised he would be sending over information, which has not been received. I mentioned to XXXX that I and the co-borrower were unable to make a payment via our online accounts and he informed me that our access had been blocked by the company ; once I filed a complaint. I asked if this was company policy when someone files a complaint and he said he really didn't know. He placed me on hold and returned to the call and advised it was company policy. I asked him to send me a copy of the policy for my records and he then changed his statement and advised there was no policy to send. I informed him that this felt retaliatory in nature and that I would be filing a new complaint for the retaliation. XXXX then got very angry and said he would be disconnecting the call and said if I didn't want to make my mortgage payment over the phone he would just hang up. At this point my only option for making the mortgage payment was to do it over the phone as my entire account access was blocked. XXXX processed the payment ( or advised me that he did ) and then said if I wanted online access, I would have to register a brand new account. I no longer have online access and neither does the co-borrower on the loan. This company provides horrible customer service and retaliates against customers who file complaints with governing bodies- that seems like a huge XXXX XXXX issue that the CFPB should be investigating. Customers should be able to file complaints without fear of retaliation or fear of loss of access to their accounts, especially when it could mean the difference between making a mortgage payment and not being able to make a payment. This is gross conduct by Village Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I wanted to refinance my home mortgage and after some shopping around I decided to apply with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He started the process and I provided him with all financial documents he asked for. He quoted me 30 years fixed at 2.50 % with XXXX cost to the borrower. I asked him to lock the rate for me, but he told me not to worry and that he'll guarantee the rate. I told him every time I refinanced they lock the rate for me, he again said not to worry. I do have email communication from him and below are what he told me in the email : " Regarding the lock, we wait until the underwriters have verified your information before locking technically. However, I stick to my quotes and will honor the rate I gave you initially. '' Here is another email he sent me telling me why they don't lock the rate and telling me at the end I will get the 2.50 % rate : " The reason is that because we lock for a shorter period of time, we are able to give lower rates to our borrowers. It is part of why we have some of the lowest rates in the state. On top of that, because of COVID, the notaries are charging more and giving us less time to schedule so we have to wait until everything is ready before we schedule with them and all has to be done within 21 days of locking. So there are many reasons, but in the end it benefits you the most. You still get your 2.5 % either way, it is just a matter of waiting until the right time. Let me know if you have any more questions. Thanks. '' After all that the rates did go up and he wasn't able to keep his promise and I had to cancel my mortgage refinance application. This is very unfair and I think they should be penalized for what they did.

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 2020-05-28
Company: Yamaha Motor Finance Corporation USA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This account was transferred from XXXX/Yahama to Yamaha Motor Finance Corp but I have yet to receive a bill and how to pay. Now during this pandemic, my score dropped almost 60 points because they are reporting me late but I was not given a chance to pay since they sold my account to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: GreenSky, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Below is what I sent to the company by email on XX/XX/2020 and also by certified mail on XX/XX/2020. 

" I called and requested a payoff amount for my account on XX/XX/2020. I was provided the figure of {$20000.00} to pay my balance in full. I then went to my bank and got a cashiers check made in the amount of {$20000.00} and mailed it to you. You cashed the check on XX/XX/2020. I recieved a bill this month for {$180.00} my account should be paid in full and closed. I called and asked for the payoff and then promptly sent you the check for that amount. Please rescind these charges and close my account '' They have not addressed the issue and continue to bill me and charge more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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: Their investigation did not fix an error on your report

Complaint:
I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to XXXX, Trans Union and XXXX. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.

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 2021-10-05
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report via XXXX XXXX one random day and saw that I had a collections report that I was completely unaware of and had not been notified of at all. It is from XXXX and they have not sent me a bill either. I feel blindsided and if I was notified, I would have paid so that it would not be sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This involves a Synchrony Bank Gap Visa Account 1. There was a delinquent balance of {$3000.00} on the account as of approximately XX/XX/XXXX 2. After repeated calls and letters from the creditor we agreed to a settlement to made over a period of time. 
3. All payments were made as agreed 4. On XX/XX/XXXX Synchrony Bank sent a letter states that the account was settled and that there is a XXXX  balance. 
5. On XX/XX/XXXX I received a call trying to collect {$2200.00} which I assume is the original balance plus interest and penalties less the settlement payments. 
6. My husband returned their call and informed them the account was settled and he was told that it still showed a balance. He confirmed that they still show a balance due. Where upon he informed the person that the account was settled and that we are in possession of the letter from Synchrony indicating such. My husband became upset and told them he was going to file a complaint and would sue them if this was not corrected. He instructed them not to contact or call us again. 
7. It appears that Synchrony is trying to defraud us out of additional money.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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 am going to court against Experian. My lawyer XXXX XXXX XXXX in XXXX Texas will file the federal case. 

Experian continues to disregard my federal rights in several disputes/ complaints and lack of MOV in results where errors still persists after a supposed internal investigation. 

1. Experian shows a 7 year old account that is supposed to be off my report. They have also updated this account with inaccurate information. 
2. Experian continues to show errors on credit accounts and refuses to delete accounts after request and my federal legal right to have accounts removed. 
3. Experian fails to send MOV - method of validation on all requests I have sent 4. I have sent complaints to Illinois, Texas and Arizona states attorneys. I have been guided to seek damages against Experian in court.

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 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America promised {$300.00} bonus when you opened up their checking account by a certain date and make {$4000.00} in direct deposits not including transfers from other bank accounts you have. I made the deposits and when I called at the beginning of XXXX they said I would receive the payment by XX/XX/XXXX. I waited until XX/XX/XXXX and I hadn't received it so I had to waste time to call again. When I called again he said I met the requirements but it would be another 50 to 60 days. No where does it say these time frames in the offer and it appears to be a big and switch. Bank of America just keeps saying the bonus will come in the future so you don't close your account when you realize they don't have drive thru locations anymore. Why on earth would a mother of XXXX young kids want to expose their children to the germs of tons of people in the lobby?

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