BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday XX/XX/XXXX I logged into my Capital One credit accounts and noticed one of my accounts was closed. When I contacted Customer Service to inquire why this had taken place I was told that it was due to inactivity. I became very upset especially since this happened to be the oldest credit card I had and closing it would certainly have impact on my credit score.  I was then transferred to a supervisor who essentially repeated the same information. 
Of course I asked if it was possible to re-open the account and I indicated that I would certainly use it but I was told that this was not possible. 

I found this action to be extremely unprofessional especially given the fact that I have another credit account with Capital One for {$30000.00} which I use very frequently without a single missed payment. So I couldn't understand why they would close this smaller account with a significantly smaller limit of {$2000.00} and without providing any notice that this was going to take place. It became very obvious after speaking with the supervisor that this was an automatic action that takes place if a card is inactive for a certain # of months. I'm sure this automated action may seem reasonable to whomever devised this system but to not take into consideration the standing of other active accounts or consider the age of the account being closed and how it might impact a clients credit score without any notice is a perfect example of failing to provide basic Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: VA
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: National Medical Administrators, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around the XXXX of XXXX, I don't remember the date exactly, a weight loss pill no one ordered or asked for showed up at our house. We threw it all away and forgot about it. I did notice two charges on my account on XX/XX/XXXX for around {$7.00} a piece, ( one forXX/XX/XXXXand another for XX/XX/XXXX, example attached ) but they looked like in-app purchases my kids might have made so I disregarded them. 

On the XXXX of XXXX, we received a notification from XXXX that a transaction of {$110.00} had been made on my account by XXXX. I didn't recognize the charge so we declined it, XXXX turned my card off, and we went ahead and had my card canceled and a new one issued, assuming fraud. 

On XX/XX/XXXX, XXXX, and XXXX, I received six emails, two each day, indicating that there was an attempt to chare {$110.00} to my credit card and the issuer declined those transactions. All links on the emails lead to XXXX sites and other than an address in XXXX, there is no contact information on any of these emails XXXX example attached ). 

On XX/XX/21, a company calling itself " XXXX XXXXXX/XX/XXXX indicated they were calling to collect a debt of {$240.00} from me for the aforementioned weight loss pill product. I told the organization that they were not to contact me and I would be levying a complaint with the CFPB. The individual hung up on me without providing a mailing address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, I initiated contact with Capital One inquiring as to why the available credit had not been updated after making a payment earlier in the week. The customer service supervisor proceeded to inform me that they can see an " 8 day hold '' was put on the account. She also told me that nobody at Capital One tells them what the reasons are for why holds are placed on the account after payments are made. While Capital One 's terms and conditions may claim they could potentially put holds on the account, it doesn't say anything in their Terms and Conditions about it happening consecutively, especially after making multiple payments. 

Just because Capital One makes a claim that holds may happen does not give them the right to do so every single time a payment is made. I've reached out to an attorney who feels this violates a few things at the Consumer level. This issue will be brought to the attention of a group which I chair who decides whether class action lawsuits are justifiable. Arbitration only applies to single account holders. We have already received interest from multiple people who have experienced this same problem with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Tuesday, XX/XX/XXXX, I used my Venmo account to add money to the account from XXXX to Venmo. This is my rent money that I added to Venmo which waS {$700.00}, but I received a email that they froze my account. The account specialist, XXXX said I needed to send in proof of identity and the bank statement that showed I made the transaction and I could screenshot it. I sent the specialist my ID, my cashapp card, the bank statement from XXXX, the email that showed I made that transaction and everything they needed. XXXX then emailed me and told me she cant accept screenshots so I sent pictures from my desktop and she didnt accept it because when I clicked the bank statement from cashapp, it transferred to XXXX and she said she couldnt take that. I also tried using another computer to see if XXXX came out and it did so it is the systems way of showing my documents. XXXX wouldnt take anything I gave her and she told me that she will keep my account frozen for 180 days until I show a statement from the bank that works with cashapp which is XXXX XXXX. I called XXXX XXXX and emailed cashapp and XXXX XXXX said they do not send bank statements from XXXX and I would need to get it from XXXX, which is what I did. I tried so hard to cooperate with her and I spoke to other agents from Venmo through the app since they arent taking calls and none of them are helping me out. I gave the company all of the proof I can that showed my identity but she doesnt want to take it. My rent is due next week and now I dont know what to do because that is all of my money I have right now. I will attach everything I sent to her and what she told me. Thank you so much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been on a bi-weekly automatic draft from my bank for my mortgage payments to Fay Servicing XXXX. for several years. In XX/XX/2020 I requested for a deferral of my mortgage payments until XXXX due to reduced household income due to covid19. The company approved the deferral except that after wanting to start making bi-weekly payments in XXXX like I had done before, each agent I contacted gave me different info about how to re-start the process. Long story short, I have had to call 4 or 5 times, sent the application forms 3 times by email as they had requested ( although a few of the emails were deleted before even being read, since I had requested email read receipts ). So because of all the erroneous info I was given by different reps about he requirements of getting back on a bi-weekly schedule and what boxes to check on the form and what date ( s ) to write and when to send it, etc., etc., I have had to make a FULL mortgage payment for the month of XXXX, and now I have to pay ANOTHER FULL payment for XXXX, which this is a big hardship for me, because even though my household income hasn't improved much, I am still making every effort to get back on making my mortgage payments like before and bi-weekly payments are the only way I can manage to do that, but Fay Servicing can't get it right and keeps giving me the runaround. This month I am going to be behind on my other bills again because of Fay Servicing lack of transparency and misinformation and horrible customer service, etc., etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-02
Company: Experian Information Solutions Inc.
State: MN
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:
there is a conflict of interest for insured/patients with healthcare providers which is also very possibly violating HIPAA privacy and FCRA through testing, diagnostic and medical billing codes with full access to patients full medical records and private protected medical record information managed by a major credit bureau. Its not disclosed to patients by medical providers and is a complete conflict to have a major credit bureau branch/entity managing information which can affect credit and insurability of patients who seek and need medical care, credit products and services and be assured unbiased insurability. Example : XXXX XXXX XXXX XXXX is one of more than 60 % of United States Hospitals that utilizes Experian to manage all medical and billing records. Providers offer patients access to their health records ie. XXXX, with electronic/data use of credit information of patients that is required to verify a patient own access to the online medical records ( XXXX  ), clearly co-mingling private, protected medical and credit information of patients.

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 2018-02-16
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has provided false report to the credit agencies that is destroying my credit. I paid XXXX in full last year when I left them and XXXX XXXX tried to collect debt I did not owe to them last year for the same thing as well. They removed thier false report after I showed the receipt of my payment to XXXX but this Diversified is not removing the false information and they are ruining my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
We received a US Bank Relia Card that was unsolicited, and when we tried to get help to find out why we received this unsolicited card, we were asked to enter a social security number and birthdate before moving forward, which we did not do.

We have no bank account with US Bank other than a loan with US Bank and we never applied for a " Relia Card '' and this was totally unsolicited. The card has my name on it and it looks as if it can be used.

I need to find out why I received this card but can not get help from US Bank Relia Card when I didn't ask for this card and can not get help from their toll free number. I'm concerned fraud is involved.

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 2018-07-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 separate accounts through Navient, a student loan corporation through the department of education. i have 2 seperate accounts one for {$4300.00} and another for {$2000.00}. one of these accounts if not both shouldnt be open because the dates they have stating i was in school is not accurate nor is the institution. they told me to call the school and verify which i did. the school has no record of me being registered in the dates they gave me. Navient stated the school would have to call and verify which they did. but they still wouldnt remove my account. Navient has had a history of having false open accounts and have been under investigation. i opened up a suit but never heard anything back. Anytime i speak to someone and do as they say they give me another excuse and soimething else i need to do to close my account and it never closes. the school they have on file is XXXX tech in XXXX GA, i wasnt even in the state for the dates they have because i was stationed in another state in the United States XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I currently have a joint auto loan that has a remaining balance of {$9900.00}. The vehicle was repossessed in 2019. My issue is that at the time of the purchase, I made the dealer aware of what payments I could afford. The amount they kept offering was at least {$200.00} above my budget, but the dealer insisted that If i paid that amount for 6 months on time, my payment would go down the my desire. I declined that offer. The dealer then went on to offer to write me a check for the difference in the car payments for the 6 months, so that I will only have to pay what I could afford out of my pocket and the check would cover the difference. I agreed to that. However, the dealer did not issue a check for he 6 months difference. I was allowed to take the car home that day and the called the next day for me to sign the paperwork after further negotiations with the creditor. The payment was higher than the initial offer. The dealer and the creditor preyed on us and stuck us in the contract that was not affordable. They set me up to have this repossession. They knowingly set us up with this high level of risk. I have let the creditor know several times that we were thrown into this deal and that it was not affordable. Now, this is impacting both of our credits when we were scammed into this deal.

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 2021-07-04
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous request was closed as duplicate, ich is not!!! THIS DEBT DOES NOT BELONG TO ME! LVNV reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX and XXXX now refuse to delete from my XXXX credit report account. I need this resolved ASAP. This has a financial impact on my XXXX credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CITIBANK, N.A.
State: CT
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 purchased a bike that I saw on XXXX ad. I purchased it on XX/XX/2021. I know that with Covid-19 shipping has been slow so I waited until the XXXX of XX/XX/2021 and because I did not receive the bike by then I filed a dispute with my card company. They put a hold on the payment until they did an investigation. A couple weeks went by and they sent me a letter stating I was responsible for the payment. I still haven't received the bike. I sent them pictures of the ad I had, the company I ordered the bike from And yesterday I checked the site and found out it was a scam/a fraudulent site. Which I sent them this information as well. But they refuse to reopen my dispute which a payment is due on the XXXX of XX/XX/2021 ...

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 2020-08-27
Company: WELLS FARGO & COMPANY
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent in a large auto payment and Wells Fargo received the check on XX/XX/XXXX. They did not apply this payment to my loan and it is XX/XX/XXXX. They have taken the funds from my account on XX/XX/XXXX. I called to remedy and they said that is how it works, they take customer funds first then apply the payments, especially when it is a large amount. They now are telling me it will take 48 hours to research this. 
I submitted a complaint to the executive office and they told me it will take 10 days to resolve my complaint. 

This is not right, I should have seen my payment on XX/XX/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 explanation
Consumer complaint received 2020-08-27
Company: Nelnet, 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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized  inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: City Enterprises, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting on credit twice and it needs to be permanently deleted from all 3 credit bureaus immediately!

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 2020-11-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Nelnet, 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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these  accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation