BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am requesting the following incorrect address be deleted as it is not associated with me : XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. 

I am requesting to dispute the following unauthorized credit inquiries on my Experian credit report. These were done without my permission. 

XXXX Credit/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am also disputing the reporting of my Chapter XXXX Bankruptcy XX/XX/XXXX as dismissed. The case was " closed without a discharge '' the court paperwork does not say anything about a " dismissal '' because that is not what happened.

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 2019-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
a former bank teller with an unusual first name I hate to write for a reason robbed me of about $ 6000 years ago then quit. 
it was another bank teller who told me something about the suspect or wouldn ; t have known because I only checked my safe deposit box once in a while. 
I stupidly withdrew {$5000.00} in {$100.00} dollar bills at Capital One years ago as one crooked bank teller with an unusual first name saw all the many hundred dollar bills and saw me take the bank elevator to the safe deposit floor and connected the dots. 
a locksmith told me all the crooked teller did was remove my key I always left in the keyhole to enter 1 of 3 small rooms to examine my safe deposit box and created a wax impression of my key in seconds. 
of course I can't prove this but wanted the senior bank VP Mr XXXX to question the suspect who called the bank at XXXX & XXXX XXXX in XXXX XXXX and someone tells the senior bank VP he doesn ; t know the suspect which is nonsense as I called the FORMER BANK MGR XXXX XXXX who told me HE ONLY KNEW THE FIRST NAME OF THE SUSPECT WHICH TRAPS Capital One in a serious cover up for years, I asked Capital One for a copy of a letter the senior VP sent me who admitted years gao he could be wrong and can't find a copy in my room. 
Capital One hdqtrs in VA REFUSES to send me a copy of that letter by the senior VP I demand the cfpb investigate for a serious cover up, a bank your CFPB hit twice for screwing many bank customers years ago and hit with heavy fines it paid and admitted nothing Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow-up complaint, which was closed by the CFPB after TD Bank 's response. However, in the response, TD Bank provided invalid reasons, citing a condition that did not exist at the time that I opened my account. The stated condition also did not present in the conditions for the eligibility for preferred rate at 2.5 percent, which was attached to TB Bank 's response to my previous complaint ( # XXXX XXXX. 

This simply shows that TD Bank does not care about adhering to the best standards and continues to deny its wrongdoing. 

If TD Bank can not point to the stated condition mentioned in the response in the letter in its attached conditions of the account, it should make a compensation for what I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a 15-year fixed rate refinance on my home with Bank of America on XX/XX/17 with a cash out amount to cover bathroom remodeling. I paid BOA over {$500.00} for a home appraisal. At that time my master bathroom was gutted to the studs. Prior to allowing the appraiser ( hired by BOA ) access to my home, I asked her if the unfinished bathroom would be an issue with the loan. She stated no- only if it was an addition to the home, not an interior renovation. One half hour before closing time on Tuesday morning a few weeks later, I got a call from the closer stating there were no closing documents and that closing would not take place. I then called BOA who stated there was a glitch and since my renovations exceeded more than .05 % of the appraised value of the home ( XXXX ) - that the closing could not occur until the bathroom was at least partially completed. BOA had that appraisal for several weeks and no one said anything about my gutted 40 sq. ft. bathroom until the day of the closing. I then incurred heavy credit card debt to finish the bathroom so the loan would go through. BOA wanted to know how the bathroom was paid for- where I got the money from, etc. I cashed in an IRA for XXXX to help defray the costs and ran up my XXXX card, and used my savings to pay for the bathroom at their demand!! They demanded another inspection ( at MY expense ) which was completed. I was promised after the inspection a closing date would be set. There were several other closing dates set, but all were called off. There was a re-evaluation of my debt-to loan ratio and they demanded more and more information on a daily basis. This went on for over 3 months. I have gotten ill twice during the process. My hair fell out in clumps. BOA had me in a Catch-22 situation. I did not have money necessary to complete the renovations, and that is why I applied for the loan. They then balked at processing the loan due to the debt I incurred FOR THEM!! And each day they prolonged it, it is cost ME money due to fees to extend the rate lock. I finally threw in the towel and cried ENOUGH! This is consumer ABUSE!!

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 2018-06-16
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:
XXXX XXXX ACCT NO XXXX IS REPORTING ON MY XXXX AND TRANSUNION FILES.XXXX IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS 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 2019-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just got my updated annual credit report and there was a credit pull from Kohl 's in XXXX of 2018 that I didn't authorize. I called the kohl 's number on the credit report from XXXX   and they said they had limited ability to see my credit report. the lady kept saying it was a hold on my credit and I said, " No, it was a hard inquiry into my credit. '' She said that the department I called couldn't do anything. 
I called XXXX  then and they said I had to call the company. I told them that I had and they were no help. He said there was nothing he could do. Someone has to be able to do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
original complaint XXXX. 
the company responded saying they notified me earlier this year, but i never received a noticed to dispute or a notice with my rights to dispute. all i received was a bill with a due date, no listed right to dispute to claim was listed on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple calls from IC systems day after day. It interrupts my day and has become very frustrating. The number that I call back to resolve this debt says the number is not in service. Which is also very frustrating in order to try and resolve this debt.

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 2018-11-21
Company: SYNCHRONY FINANCIAL
State: NY
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 rewards from credit card

Complaint:
I receive a cash back offer from synchrony mastercard In XX/XX/2018. " Get {$100.00} cash back when you activate then spend {$250.00} on your Synchrony Mastercard between XX/XX/XXXX - XX/XX/2018 '' Cash back in the form of a statement credit. I spent well over {$1000.00} using the card during the period noted ( all paid up to date ). I have communicated with a representative on at least 3 occasions XX/XX/XXXX, XX/XX/XXXX and  XX/XX/XXXX. During each of the conversations I was told they had issues on their end and would need two more billing cycles before I would see the {$100.00} reward. Its now XX/XX/2018 and they still have not released the reward credit. I need help!

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 2017-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently tryed to apply for capital one 360 custermer service told me I already had a account. I never had a capital one 360 and want something to be done about this account under my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Ssn XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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:
XXXX approved me for its credit card offering 0 % financing for the first six billing cycles, to which I set up auto-pay for the minimum. 

Upon receiving the fifth bill statement, I sent secure message XXXX XX/XX/XXXX XXXX XXXX : " My promotional zero percent financing will end in the sixth billing cycle, XX/XX/XXXX, auto-payment on XX/XX/XXXX. Can I set that and all future payments for the full balance to avoid any finance charges? '' XXXX, XXXX, replied : " Changes to the AutoPay amount will not take effect until your account has gone through a complete billing cycle. '' Since the fifth cycle, XX/XX/XXXX, already completed with a minimum auto-payment set for XX/XX/XXXX, I successfully changed auto-pay for the sixth cycle, XX/XX/XXXX, to full balance for its XX/XX/XXXX payment due date, just as I had asked and XXXX instructed. My XX/XX/XXXX statement shows full payment credited on XX/XX/XXXX, but " XXXXnterest Charged ... .+ {$24.00}. '' I complained to customer service, but XXXX merely replied that since the intro rate expired XX/XX/XXXX, payment for all charges through XX/XX/XXXX was due on XX/XX/XXXX. I argued : " I reasonably relied on your reply that I should set auto-pay to full balance ; you did not say that I must pay the XX/XX/XXXX balance by XX/XX/XXXX, which is impossible. If you had said that I must make full payment by any later day [ ( XX/XX/XXXX ) ] to avoid any interest charges, I would have done so. '' I repeatedly asked to escalate my complaint to a supervisor, who still has not responded.

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 2018-05-25
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I check my credit report and found out they Quality Acceptance the agency in which I purchase a car loan had not posted all of my payments on the car. The car was stolen the last part of XX/XX/XXXX and was put in an impound by the XXXX XXXX Police Department because the people that stole it we're gaming members and they had committed several robberies in my car so the police have kept it for evidence. 
When the impound called me to pick up the car on XX/XX/XXXX the car was gone Quality Acceptance had repossessing the car when I called they told me because they said I had outstanding payments missed on the car. But they never did call me or send me anything in the mail or even try to contact me on my email and I've always made my payments and so. 
I had made several complaints to your agency about this company in XX/XX/XXXX and you cleared them and I wanted to know what you can do about this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CUSTOMERS BANCORP, INC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for, and was approved for a PPP loan. I have signed the promissory note. I have not received the disbursed funds, which as far as I understand, constitutes bank fraud. 

The bank in question ( Customers Bank ) offers no way to contact them, other than a webform, which I submitted a week ago and I have not gotten a response. Their phone systems only allow a voicemail to be completed.

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 2019-09-04
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: Problem with personal statement of dispute

Complaint:
Via certified mail ( XX/XX/XXXX, XX/XX/XXXX, and XXXX ) I have requested Equifax to include a statement regarding a unverified account on my credit report. I received 3 letters requesting to send in verification and each time it was sent and the following month I was sent the exact same letter requesting verification. 

I have requested the following statement : " The XXXX Bank / XXXX 's account is a fraudulent account whereas the creditor states they have no signed documentation I opened the account. This information has been provided to XXXX, XXXX, and Equifax Credit Bureaus. XXXX &  XXXX  have removed the account - Equifax refuses to do so. Please obtain a " correct '' copy of my credit report to the two other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an ALLY FINANCIAL charge-off on my credit report that should have been covered by my GAP insurance. When I called they said that I was not covered for this debt because I had a late on the account. There is nothing at all in my contract that states my GAP coverage would not charge if there was a late on my account. I want this debt and account removed off of my credit report.

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 2018-06-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ACCT NO XXXX IS REPORTING ON MY EXPERIAN AND XXXX FILES.EXPERIAN IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS 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 2018-02-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Please see the attachments, the miscellaneous charges should be gone. The taxes and everything have been paid and refunded and even cashed by you guys. Please update it as I plan to trade it my car soon! I have been told 5 times now that this has been handled but yet I see no {$0.00} balance on the Misc charges. Please handle this. This is for Account # XXXX.

VA Dept of Taxation has taken care of the overages charged and my misc charges balance should be {$0.00}.

I am getting no response at all about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: MS
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 dispute three accounts for over 2 years and cant get this problem fix. The accounts arent mind, and I provide mistakes in multiple reports and ask to delete these inaccuracies. I ask for documents on these accounts. A auto loan with joint account with someone I never heard of, credit card account with different date reported, and XXXX school loan with different amounts on several reports. If it was validate correctly it should not be inaccuracies between several reports.

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 2019-09-04
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the company for the original contract twice and they can not provide it. This debit doesnt belong to me. I have disputed it and contacted the XXXX. They only sent a letter saying this was my debt. I want to see the original contract because this debt does not belong to me an I want it taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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:
Account with Portfolio Recovery Associates ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and XXXX  reports. This is NOT my debt. I have reported to XXXX  and XXXX  and they investigated yet the item remains on my reports. I have disputed to Portfolio Recovery Associates and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Financial Data Systems
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with nothing being received. This is unknown and feel I do not owe

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 2019-09-04
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I WAS PUT IN THIS SITUATION DUE TO SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation