BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
To Whom It May Concern, The company involved is Capital One ; City of Industry, CA. 
I have had a credit card w/ Capital One for several years, however, I paid off this account and destroyed my card, and never ordered another one. ( My wife also destroyed her card years ago, & is still paying off a smaller balance on that card ... on time, every month! ) Just about a month ago I received a statement in the mail, claiming I had a previous balance of {$100.00}, and now stating that I owe {$140.00}, as of XX/XX/2020 ; w/ a 'minimum due of {$93.00}!? ' What??? ( Just received this late last week. ) First of all, as I mentioned, I do not even possess a credit card with Capital One, as I destroyed it years ago and never ordered another one! I have made NO purchases through this corporation in YEARS!, and they continue to send me statements that have been showing XXXX balance, up until now!? ( Just another annoying factor! ) I have been unavailable and had my wife call Capital One on Tuesday, XX/XX/2020. ( She called : XXXX ) She immediately asked for a supervisor, spoke w/a man named XXXX, explained the entire situation, and he then transferred her to the 'collections department.??? She then was speaking with a man named XXXX, and once again explained the entire situation. XXXX proceeded to tell my wife that something was charged in XXXX.? Really???, not by me! 
Today, Tuesday, XX/XX/2020, I receive another statement reminding me that my payment is due by XX/XX/XXXX! Payment for WHAT? ( certainly a form of harassment! ) When my wife asked XXXX what the charge was, he rattled it off very quickly.? She then asked him to send a copy of the charges ( the actual statement showing the merchant & purchase ) ... as I've NEVER received a statement showing these 'fraudulent charges! ' He said he could not, that he'd have to talk to me or send it to me? Why doesn't he then??? I live at the same address as my wife!? Another suspicious, odd circumstance. 
Capital One is a horrible, greedy company that preys on it's customers! We've had cards w/ them for quite a few years, & when my wife was very conscientious w/payments, she asked them to work w/us on the interest. They said the COULD NOT! 
They are a crooked, money-hungry company, and we can only hope and pray the truth be known, so they stop harassing and scamming poor, innocent customers!!! 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. I have filed a police eport along with a XXXX with XXXX listed on the FTC. I previously filed another CFPB case number XXXX and back on XX/XX/2019 XXXX responded to the CFPB request. I recieved a letter by XXXX in the mail stating they will conduct a investigation. At the time I also sent the police report identity theft and a FTC. XXXX has not been any help. They are refusing to remove the account that I never opened nor have I autohrized anyone to open a XXXX account without my consent therefore this account was opened fraudulantly. A few days ago I was notified that my claim has been denied by XXXX XXXX from the Executive office of customer advocacy department. Her contact number is XXXX. She has not done the proper investigation on my claim of fraud and I will explain why she has not. XXXX XXXX is refusing to have this account that I never opened removed from my credit files. I have filed a police report along with a FTC proving Discover that I am not responsible for this account. On XX/XX/2019 I spoke to a rep from the Executive office with the name of XXXX XXXX. He stated that my account was under another investigation. Please see attached FTC and police report. I am not linke for this account and it must be removed. I have never opened any credot cards with XXXX nor have I disputed any charges with XXXX because I never even opened the account. Another discrepency that I have discovered is that at the time of the application I was legally a minor with the age of XXXX. I will also attach my DL with my DOB along with my birth certificate showing my DOB. XXXX is not allowed to open any accounts for minors. Along with that when a application is submitted XXXX must verify the information on the app. In this case because I was a minor with the age of XXXX XXXX by law should have not approved this fraud account. I strongly believe that someone in XXXX has opened this account under my name without my authorization because this app should have been denied due to me being a minor at the time of the application. Please see attached birth certificate and other documents supporting my claim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Navient Solutions, LLC.
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Everything I try to do or go to do is not accepted I try to access anything for myself or family benefits of them passing away and I am not allowed to do anything. I always get re routed and told a bunch of use less information. I am having trouble with my attorneys and receiving the payment from the sale of my house. Please help me I really am in a bad situation asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: BID SOLUTIONS LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We started a loan modification with XXXXXXXX XXXX XXXX  We will post to make three payments for XXXX, XXXX, and XXXX of {$1500.00} and send it to them and they will send it to the mortgage company. I looked into my mortgage company and saw that they never sent the money to them. I received a letter from HUD home, saying that we can start tenancy with them like they bought the house, so we were scammed from XXXX XXXX XXXX of {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2018-05-04
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a notice that my credit rating was negatively impacted by a late payment to XXXX. I apparently did receive the bill electronically, but it never notified me that my payment was late. The credit representative said there was a " subtle reminder. '' Also, XXXX XXXX claims they tried to call me but had the wrong number. 

If you sign up for automatic notices, they should send you a specific reminder. But that is not the primary issue here. 

I have had a XXXX 's account since 2008 and had no issues. What bothered me here was when I called XXXX 's to discuss the situation, they said they could help me with the credit report if I paid the past due balance -- and once it posted they would give me the contact number. I did not have a problem with this, as missing this payment was an accident and I had full intention to pay. However, when I called this contact number if was clear that XXXX 's had no intention of fixing the problem on the credit report, and said that they could not do it. This was a bait and switch tactic.

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 2018-05-04
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am being forced to fabricate information on my mortgage application that absolutely does not exist and cant be found anywhere and the only way to get this information would be for me to make it up and i told them i would not move forward if that is the case. Now a month later we have to revisit this very issue again of me fabricating information that doesn't exist shows up again with my loan originator demanding that in order to move foward this information has to be provided or cancel. The loan originator from US bank who is forcing me to lie on my application is XXXX XXXX XXXX. 

Myself- I am retired from the Federal government, I am also service connected at 100 percent and those incomes have been paying the first mortgage which is the VA loan now through US Bank with no imperfections or missed payments ever in my credit history that at the time of my mortgage application the credit score is XXXX and all i wanted to do was refinance and pull some money out for home improvements and filled out the application online thinking it would go to my local branch but ended up in California and Kentucky and not one person i worked with ever showed any sense of professionalism so i was apprehensive from the start but did continue with the application and will only continue to do so with the information that is real and tangible!

I told them on two different occasions i would not do business like this and they still forced me to continue. I have the documents and the e-mail chain to prove everything. my next stop is HUD then DOJ!

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 2018-10-18
Company: Aldous & Associates, PLLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX an XXXX. Is a scam. I was a member of XXXX 's XXXX XXXX for 30 years they went bankrupt and were bought by XXXX XXXX I canceled my membership which was {$130.00} a year now five years later I get a letter stating I better pay them {$130.00} which was approximately the year membership. If I didn't pay they said it would affect my credit score. I explain to them I canceled my membership but they insisted it was going to affect my credit score. Aldous and associates out of Utah is trying to scam people. I was the 132 nd call about their tactics. Be ready and knowledgeable of your rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX XXXX I received a letter from XXXX that said they have deleted a bankruptcy that they previously reported. I contacted experian and XXXX of this deletion letter and submitted a copy of the letter asking them for verication on XXXX XXXX. I also sent them a letter sent from the burueas stating XXXX is where they verified this information. along with a copy of the deletion letter from XXXX. Experian sent out response. Stating the item will remain. XXXX XXXX has yet to respond. I asked for both burueas to verfiy this item.

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 2021-05-28
Company: EQUIFAX, INC.
State: IL
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 recently sent ftc.gov paperwork involving fraudulent activity to Equifax concerning unauthorized/fraudulent inquiries.According to FCRA section 604 By law unauthorized/fraudulent activities must me delete/remove. 

I demand unauthorized/fraudulent inquiries be remove/delete. 


UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: MD
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:
I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan number XXXX Dear Seterus, My husband XXXX XXXX passed away in XX/XX/XXXX. The first payment I made to XXXX was missed by XXXX, the account number with XXXX  XXXX. Later the loan was sold to Seterus, account number is XXXX. I never paid late to both XXXX and Seterus, but they charged me the late fee because that missing payment by XXXX. Finally, my son accidentally paid all the late fee in XX/XX/XXXX, where I was in XXXX, he paid to Seterus in the amount {$1500.00}. I had to call many times both to XXXX and Seterus. I had to file a case with CFPB first time in XX/XX/XXXX, the case number XXXX, second time with CFPB in XX/XX/XXXX, case number, XXXX. XXXX did issue me a check in the amount of {$970.00}, the same amount XXXX miss calculated the payment I sent to the bank after my husband passed away. Seteurs denied my complaints and sent me letters inXX/XX/XXXX and in XX/XX/XXXX said I am not the authorized representative. I was never refunded the late fees we paid inXX/XX/XXXX. I am the owner of the property, the title is in my name right now, I have attached the court document. My number is XXXX XXXX. 

Sincerely, XXXX Ma XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX 2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Atlanticus Services Corporation
State: AR
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:
Since the last complaint I filed on XX/XX/2023 the credit card company Aspire did not follow through with their own agreement on my account that they offered themselves during the last complaint. Aspire did not bring my account current, as I was still {$500.00} + in the hole because of fraudulent transactions that I tried disputing with them. I also made aware during the last complaint that I requested activation of the credit protection feature due to a injury. They are charging me for the fraudulent transactions, but they stated during the last complaint that they were going to activate my credit protection which cover my payments while I recovered from my injury. Two {$14.00} transactions posted to my account from them for the credit protection. That's not even the actual monthly payment amount. This is unfair credit card terms that they are trying to put upon me. And now upon talking to a support agent XX/XX/XXXX they have closed my account and I'm sure it's up for collections which will damage my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited money online to the Citibank to open a savings account On XXXX they deducted {$1000.00} from my XXXX checking account and I received confirmation it was received. On XXXX I had them deduct {$2000.00} more from the same XXXX account. 
The next day I got an email saying I violated the terms of the client manual They did deduct the {$2000.00} I have called at least XXXX  times asking for them to return my money. I can not get a straight answer. On XXXX I went to my banker at XXXX and he called. They said they were sending the money back on XXXX, XXXX  days after they closed the account. I called yesterday to see where my money was and was given the run around. They have taken the money from my account and will not return it I am XXXX XXXX XXXX and I just dont know where to turn I am hoping you can help me. Thank you

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