BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
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: Information belongs to someone else

Complaint:
I was victim of identity theft, somebody used my personal information.

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 2022-02-18
Company: U.S. BANCORP
State: WI
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 got charged {$98.00} for an XXXX XXXX  postmates that was a fraudulent charge. I called for it being a fraud charge XXXX times now and all they did was send me a new credit card. They never refunded the amount and it has been about XXXX  months. They told me they would refund me but have not. They sent me a temporary credit but took it back and after i called to ask why it was taken back, they said they would re-issue it. Now everytime i call they give me a run around and transfer me to different departments with no 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 explanation
Consumer complaint received 2021-10-10
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Discover 's fraud department had credited {$3900.00} during the monthly statement of XX/XX/XXXX- XX/XX/XXXX. 
The balance as of todays date still does not reflect the credit for the fraud and or unauthorized transactions. 
We refuse to pay for transactions that were not authorized by us, nor made by us and never benefited from those fraud and or unauthorized transactions. 
The Discover account needs to be properly credited from those fraud and or unauthorized transactions plus any fees associated with those transactions and any interest that Discover had applied. 
I've contacted the fraud department several times and even 6 years later, the dispute has not been fully resolved. 
The most recent contact with Discover was in XXXX XXXX. I spoke with XXXX in the Discover Charge Off Department explaining that the entire balance Due is of Fraud and or Unauthorized charges/transactions. 
I explained to XXXX that the fraud department has been negligent to properly credit all fraud and or unauthorized transactions. That I have been dealing with the fraud department for years and will no longer contact them since they aren't doing their job. 
I also explained that we will not pay for any charges/transactions that we did not authorize, nor make and most certainly didn't benefit from. 
As of XX/XX/XXXX, there has been absolutely no contact from Discover from my call in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hard inquiries were fraudulently added to my credit report..These are not my inquiries XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Acceptance XXXX Service XXXX XXXX Bank XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also remove XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ..XXXX XXXX was settled in XXXX Court my security deposit was kept

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 2017-11-15
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Thursday, XX/XX/XXXX I attempted to get a XXXX conventional mortgage with Quicken Loan ( Loan # XXXX ). I provided all of my financial information up front and they ran a hard credit check before even giving me any of the basic information I wanted ( just what were typical costs at {$100000.00} for a loan - and yes, I know it varies by region, but how it is calculated would have been helpful and should n't have needed a hard credit check ). 

After going through their process I was pre-approved for a XXXX loan at {$120000.00} on Thursday, XX/XX/XXXX. I was told that my mortgage would be {$940.00} at that amount, and that the total out of pocket would be {$7200.00} with closing. I asked about {$100000.00} due to a house I liked. That came back at {$780.00}, with {$6600.00} at closing. 

On Friday, XX/XX/XXXX the house I liked had a price drop to {$99000.00}. I asked for what the cost would be and provided the address of the house. I was told {$7500.00} without closing, with a monthly payment of {$880.00}. I asked why the discrepancy and they said it was their fault, they had forgotten to include a few charges. NOTE : They still had the SPECIFIC address I was interested in at this point in time. 

So this brings me to my complaint. After going through this process, I was able to close the deal on the house I liked at {$100000.00}. This is still on the pre-approved XXXX loan which they had originally pre-approved at {$120000.00}. So I call them today ( Wednesday, XX/XX/XXXX ) and get told that their is an income restriction on the house, and that the only way to know which houses have them or not is to use a special tool not used by Quicken Loan ... which I was never told about. 

They offer to give me a new loan product, but even if the seller who has already closed the deal without closing were to change their mind and give me closing, the total cost out of pocket for me would be {$7000.00} to {$8000.00}. Well above the budget I provided them, meaning the entire process was a waste of time and making it so that my wife and I lost the house we wanted. 

I spoke to them at length but they refused to do anything and due to their incompetence I was not provided with clear and straight forward information on costs to allow me to budget, wasted the time of the seller and cost them another interested party, and wasted the time of my real estate agent. At this moment in time I 'm not sure if I 'm on the hook for any charges beyond the damage to my credit score, but this process has left me humiliated and angry. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX & XX/XX/XXXX XXXX XXXX BANK XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( XXXX XXXX XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2017-11-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX,2017 my daughter, a friend and myself were contacted by a " lawyer '' claiming that I was being sued for an overdraft fee from Wells Fargo. I had a bank account there over 9 years ago and I have never received anything regarding any outstanding fees. He threatened legal action if I did not pay immediately. It supposedly came up as XXXX County nj but came from a Texas phone number.

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 2017-07-10
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I made a purchase of {$21000.00} on my Chase Sapphire card. My statement closed on XX/XX/XXXX. While I did not pay off the balance in full, I did repay the {$21000.00} on XX/XX/XXXX, leaving me with a balance that was probably around {$5000.00}. According to the terms printed on my statement ( line 3 of the statement excerpt below ), I have a 21-day period from the statement close in which to repay any portion of a purchase with no interest. Because I did repay a portion of the bill during the interest free period, I should not have been charged interest on the {$21000.00} ; however, I was charged interest for the full balance for the 12 days it was on my card. I spent about an hour speaking with two different customer services agents, one of whom was a supervisor who told me that it would probably be pointless to escalate further because the company would not refund the interest charges, which they view as correct.
<P/>
Page 2 of my statement : How to Avoid Paying Interest on Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account in full each billing period by the date and time due, no interest in charged on new purchases month to month. Also, we will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest-free period. Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until your account is paid in full. Because we apply payments in excess of you minimum payment first to higher rate balances, you pay not be able to avoid interest charges on new purchases if you have another balance at a higher interest rate unless you pay your balance in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, {$3900.00} was taken out of a checking account to pay rent according to a bill pay request- in other words, Captial One was to issue and mail a physical check via online bill pay. Capital One represented that the {$3900.00} rent payment would be received well before XX/XX/XXXX. By XX/XX/XXXX, the landlord had still not received the bill pay check. On XX/XX/XXXX, tenant wrote a paper check to the landlord and I called Capital One to stop payment on the XX/XX/XXXX check that had not been delivered. 

- On XXXX, Capital One customer service stated they can't do a stop check, but instead process this as a dispute. I confirmed that I wanted to dispute the XX/XX/XXXX check, both through the on-line portal and by phone with the customer service agent. The {$3900.00} was not returned to the checking account. 

- On XX/XX/XXXX I called again, and I was told the XX/XX/XXXX check had not been cashed. However, this time customer service said it could take up to 10 business days to review a dispute. 

- On XX/XX/XXXX I received a notice denying the dispute, but referencing the wrong bill pay/check, not the XX/XX/XXXX check. That same day I called the number listed in dispute. I was erroneously told that there was no claim on the XX/XX/XXXX check, even though the online system showed that a dispute had already been made. A Capital One employee stated that the check would be stopped, the claim was now filed, and some money should be credited to the account within 1-3 business days, though the dispute itself would take 10 business days. The representative stated the check had not been cashed. 

- By XX/XX/XXXX no money had been credited to the account, so I again called customer service. This representative said that she could not stop the payment, and that there is no phone number for the department that is able to do so. She confirmed that the check has still not been cashed but that I will have to wait up to 10 more business days for a dispute to be resolved without any of the {$3900.00} being credited back to my account. 

I think it is an unfair and deceptive trade practice for Capital One to market their bill pay feature as " printing a check for you '' when in fact they take money out of your account immediately, hold that money in their own float account, issue a paper check on their account, and refuse to allow a stop check or return the funds for, in this case, nearly a month. This is particularly concerning when Capital One has repeatedly verified that the check is not cashed and is well-past the delivery date. I have to ensure that there is effectively an extra {$4000.00} in my account so as not to overdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: NCB Management Services Inc.
State: AZ
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:
NCB Management in violation of 808 and 809. Unfair practices and Validation of debt. 
I failed to receive in writing : ( 1 ) the amount of the debt ; ( 2 ) the name of the original creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020 I contacted IQ Data in regards to an collection on my credit report. I contacted the collection agency and informed them that I had no recollection of signing a lease. I moved into the property as a roomate and not a leasor and I know to my knowledge I would have never signed such an obligation. I requested the company to send a copy of the lease in question and I did not see any signature on the actual document but instead an attatched list of electronic signatures i did not recognize as my signature nor do not recognize the IP address. I immediately filed a police report to document the incident. I also have proof I was not living in the property at the time the lease was signed and ended. I only lived there periodically and temporarily. I would like this item to be removed from my credit report on the count of Identity fraud and failure to produce adequate evidence. the signature does not match the signature on my drivers license therefore It is a fraudulent and voidable contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: SUCCESS MORTGAGE PARTNERS, INC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Success Mortgage Partners has been deceptive and dishonest throughout the entire lending process. We started working with them in XXXX of XXXX and was supposed to close on the home XX/XX/XXXX. The Loan Officer ( XXXX XXXX XXXX out of Michigan ) asked if we could extend the closing until XX/XX/XXXX to allow more time to gather what was needed. They have repeatedly lied about the file being in underwriting, being approved and being sent to XXXX. I've had to repeatedly send them the same documents over ahd over because they keep losing what was sent. We learned on XX/XX/XXXX by the Account Executive that the loan officer working on the file is not experienced with XXXX which has only further delayed the process. They fail to answer calls or emails. I am at risk of losing {$500.00} earnest money if the file does not close by XX/XX/XXXX which was the agreement to extend the loan based on what we were promised by Success Mortgage. I will also lose the {$500.00} I paid for the appraisal to this lender as well as {$220.00} spent for the home inspection and {$35.00} spent on a termite inspection. I do not have credit issues and can not understand what is going on with this company and their inability to close a loan in 30 days. It is very disheartening to experience dishonesty when working with lenders/mortgage companies. This company should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: PA
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 submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

Experian - Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX  {$2600.00} XXXX  XXXX XXXXXXXX {$330.00} XXXX  XXXX  {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Accounts : XXXX XXXX {$650.00}

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 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Tried using XXXX  to link to my Capital one account but, they are the only institution XXXX can not connect to at the moment and has urged me to file a complaint with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Paypal I have had a personal account with you all since XXXX. On my personal account you all have me marked as a seller I guess because I accept so many payments for my XXXX  company and I have been operating through my personal account no issue for years. XX/XX/XXXX I established an LLC for my company called XXXX XXXX XXXX XXXX. I have 13 1099 contractors under my LLC. My CPA advised that I open a business account with Paypal since I use your platform to receive business payments as well as pay some of my contractors. I opened the business account using the email address XXXX I used my business name XXXX XXXX XXXX as well as my newly established EIN XXXX for my LLC ( which I have no converted to S corp ). I advised my contractors as well as the clients that pay me for marketing this is my new paypal email address. In less than 2 weeks of opening the account no warning Paypal sends me an email stating that you all permanently limited my account and that I am unable to use it ever again. I called in to Paypal and explained they stated they would send a ticket in requesting for it to be reopened. Never received an update so I called again, turns out the rep states sorry you never received an email but they denied the ticket and she is unable to tell me why other than it states the account was shutdown due to fictious information was used to create the account and the bot you all have setup shut me down because of it. This is outrageous I have had an account with you all for almost 10 years. I would think like you all do others if you felt any information was wrong I couldve been at least given the chance to provide proof. To say there is nothing we can do our robot shutdown your account is absurd. I am requesting that corporate looks into this and reinstate my account as I have also placed all my business information with this letter to prove all the information I used to open the account was true and accurate. Also, even the business account that was linked to my paypal had my business name on it as well. To just shut down the account and state your keeping the funds I had in there for 6 months just isnt okay. I have done nothing wrong I have never used your platform for any illegal services or activity and I have had a personal account with you all for so long I cant believe you all didnt give me the curtesy like you do so many others by just requesting the documents needed to verify my new business account. I am asking please check into my business account and please compare it to attached documents and you will see I have been operating exactly how I created the new account. Thank you so much for your time.

Company response to consumer: Closed with explanation