BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had opted for paperless billing statements from Kohl 's a few years ago and had not had much problems. However, I had been receiving too many marketing emails and opted out of them a few months ago. After that, I did not receive any paperless billing statements from Kohl 's but I was n't making many purchases. I have always found their online system to be very slow and hard to access. I finally was able to access it a couple of weeks ago when I realized I had n't received a bill for a suitcase I had purchased. I was puzzled because their online software system sent me an email saying thank you for registering, even though I have been a registered user for years, when I accessed it to check on the bills. It also kept telling me that my email provider had changed and that was n't true either. My email address is still the same as it has been since 2007 and was correct in their online system. I found 3 billing statements that were never sent to me and that Kohl 's had been adding fees and interest charges to my bills. I called them and sent them secure email messages explaining all these inconsistencies. They only removed some of the fees and none of the interest charges, basically telling me it was my problem and not theirs. I finally received the 3 bills by mail as I asked for, none of which I was even informed was available when they were. I think they made a software update that caused a problem and are charging me for the resultant problems because the fees to do so are so high. I have now switched to paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not advised of this debt, until recently. It showed up on all three credit bureaus. When I called Capio Partners, I was told it's a collection from 2013? I am unable to verify any information with my insurance, or claims benefits regarding this, due to being 6 years out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Long & Foster Financial Services, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX XXXX, I filed for a loan with Prosperity Mortgage, my closing date was XX/XX/19. I was told they had the information they needed to meet closing but everyday they needed more.I talked to XXXX XXXX XXXX and XXXX XXXX the day before the closing and was told that nothing could be done with out all paperwork specified in the email. My parents gave me money for the closing and they said they needed a copy of the check and the statement showing it coming out of the account. I sent the information XX/XX/19 and they said they needed my parents 30 day transaction history ( I sent a letter to vacate on XX/XX/19 for my apartment ). My parents were not willing to give it to me. When I told him XXXX he said if I didn't get it he could not do anything because it was a federal loan and he didn't make the rules. All emails they sent said the loan was contingent on my parents statement that they would not give me. If I could not get it the loan would be denied. That being said I argued with my parents and gave them back the money. 

Now they call after I told them I gave the money back and talk about the seller suing me for being denied on the loan because they said I dropped out for personal reasons. 

LOAN ID # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for TransUnion, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.

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 2020-10-22
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical bill was from workers compensation case. I have given company the information for the case and they refuse. I asked them to send me a bill then so I could submit it to the workers compensation company and again they refused. This company sounds like a huge scam that just wants you to send them money. I contacted the hospital where Credence states the bill is from and they have nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I don't understand why accounts are returning verified when I've complained about not receiving information to verify this alleged debt placed on my credit report by you and XXXX 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 2019-10-23
Company: PNC Bank N.A.
State: CT
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:
PNC Cash Rewards Visa Signature Credit Card from PNC Bank : I got an offer from PNC Bank to apply for the card. My personal reservation number was XXXX. The promotional terms were : If approved, you will earn a {$150.00} monetary credit on your statement after you have made {$1000.00} in purchases during the first " 3 billing cycles '' following account opening. 

The first billing statement I got was mid XXXX. The third billing statement was in XX/XX/2019. I made the required {$1000.00} purchases before the end of XX/XX/2019. PNC bank did NOT generate any billing statement in XX/XX/2019, either online or by mail. Now they are saying I was supposed to make the purchases within 90 days of account opening, not 3 billing cycles. This is not the offer was, where they said within 3 billing cycles the purchase of {$1000.00} needed to happen. 

I never received that {$150.00} promotional credit and I was told by their rep on XX/XX/2019 that I will not get the credit as I did not make the purchases within 90 days. Please refer to the attached screenshots for what the offer said during account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There are monthly XXXX fees accessed by Chase for balance minimums. It is not clear this XXXX limit will be maintained in the interim. That said, reached out to Chase customer support about an online profile feature. 

Which hides all account information once logged onto the online Chase account. Chase agreed to investigate and offer feedback. No feedback was provided. It is preferred to continue the relationship with Chase. But, they ( Chase ) offered no status on the unexplained account profile changes. 

I believe it was XX/XX/2020. 

I do not plan on leaving Chase. But, items are mounting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
My trouble is with my Bloomingdales credit card which is issued by the Department Stores National Bank. Here is what happened. 

When I paid my XX/XX/XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars ). 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from Bloomingdales that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, Bloomingdales reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low 800s ). 

However, Bloomingdales put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling Bloomingdales and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked XX/XX/XXXX to investigate. 

The charge was not removed. I contacted Bloomingdales credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. Bloomingdales put me through to a supervisor who said there was nothing he could do and advised I contact XX/XX/XXXX 

XX/XX/XXXX said there was nothing they could do and I should contact Bloomingdales. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX credit card sent me an invitation number to apply for credit I went online stared to fill the questions but half way i stopped and decided not to apply anumore I changed my mind I called the XXXX card customer service amd asked them why they proceed with my application if i did not summit and finished it They told me that i had enough info already that they proceeded without me summitting it I received an experian credit alert and it will stayed there for 2 years without my consent The lady who i talked to said it will stayed there I think they lie Nd when i called they wanted more info to complete Si whi ch one it is I did not applied

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 2017-09-25
Company: WELLS FARGO & COMPANY
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 had a problem with a late fee issue which was subsequently resolved. I received no notice of the resolution, so I called Wells Fargo. I was notified that the problem was resolved and I was made an offer to waive the last payment ( XX/XX/XXXX ). In this case, as with the last, I was not informed of any action in the matter. I called Wells Fargo back ( XX/XX/XXXX ) to follow up and I was informed that there was no case opened for the request. However, a case could be, and was opened. 

Since the original enquiry and the time of the follow up call, a payment was not made in anticipation that the final payment would be waived. In the interim, Wells Fargo reported the account delinquent. I feel that this is unfair since the problem originated with Wells Fargo.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX NA XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I received a text saying someone was trying to use my bank card and if it not me reply no. I replied No. moment later I received a call from a Wells Fargo # with name identified the same. He said his name ( dont remember ) and said he was from the fraud department, He asked about this transaction as well as an online line transfer and wire. I said no and was trying to correct the problem for me. I gave him my social and well as bank info. After an hour and 40 min the phone call was lost. I called the bank to try to continue the process and was told they had no record of talking to me. I gained access to my account and saw XXXX was GONE! I filed a claim and receive new bank Accounts. The money was on online transfer from other accounts then wired. I was informed my account was trying to be accessed 5 times was sent 17 different codes and they were going to attempt to get the money back. 
A week later I called to check on the claim and was told I was denied because of the way it happened. I was told there was NOTHING that could be done and after 5 or 10 min of disbelief She finally gave me the bank and transfer # s which are out of state. I filed a police report and went to my local branch and was told to refile the claim and the claim has been sent to the executives. I was very upset and crying in the office. I just hope that the higher up will look foe more to know that I did not with intent wire these funds and the bank was misrepresented. I would just like to be made whole again in my account. I have all the screenshots of that day with the duration of the call and 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 2019-10-23
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
ordered a Jersey from XXXX shop online. I used Paypal to complete and pay for the transaction. I picked a credit card for paypal to use. noticed the amount changed on XXXX shop so I left paypal to check the order. found order just updated with shipping and taxes added. went back to paypal to finish transaction and closed all browsers upon completion. went to bank to get some cash the next day and noticed my account was XXXX. looked at history and found Paypal used bank funds to pay for XXXX shop order. contacted Paypal and told them their software wasn't working correctly as I picked credit card to make the payment. they kept repeating it was user driven and they had nothing to do with the choices. no matter how many times I explained it they kept saying user driven, user driven, etc etc. They would take no responsibility for their bad software. Now I have over draft fees to pay due to Paypals inadept system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were forgiven in XXXX XXXX, with an effective date of XX/XX/XXXX. Mohela missed the fact that I was due a sizable refund. I had to call them and walk them through my loan payments to show them that I had made all of my payments since the XX/XX/XXXX effective date directly to Mohela. They finally agreed that yes, they could see all of my payments made after the XX/XX/XXXX effective data of which I am due a refund. Even though I made the payments electronically, Mohela stated I would be receiving a paper check for the refunds. I don't understand why the refund can't be electronic like the payments made were, but that's fine. I'm not arguing that point. My problem is that it has been about a month since Mohela called me and confirmed I was right and that they owe me a sizable refund. They even gave me a case number ( XXXX ). And yet, I have not received the refund, nor have I heard anything else from Mohela. This feels like insanity. How can a company operate in this way?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX XXXX and Experian released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.

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 2018-12-27
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen again.

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