BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. Trans Union didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on Trans Union and XXXX. The delinquency was not my doing.

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 2018-05-07
Company: CITIBANK, N.A.
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:
When l checked my XXXX credit report, l realized that ; CBNA/XXXX XXXX reported a hard inquiry on XX/XX/2018 which l have no idea about.

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 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Was sent offer for buissness credit card from capital one, applied was given credit card with XXXX dollar limit have used card several months never late pay balances off in full My credit score is over 800 got letter saying they were closing my account that my buissness didn Align with their policy called them asked for explanation was told couldnt have one and that I couldnt talk to anyone else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was approved for my Capital One Secured Card on XX/XX/2017 after speaking to several representatives on ways to increase credit score and what is the best card as well as options credit limits and so on. I recently inquired about my Secured Card in an attempt to get a credit limit increase and upon process was informed that it is impossible. I was also informed that I had 80 days from approval of card to put through a credit limit increase. I also inquired about the deposit ( {$49.00} ) that i had put down for the limit of ( {$200.00} ) and was told that they would look into me getting my initial deposit back due to great behavior. I have never missed a payment on this Secured Card and have had another credit card with Capital One for over 6 years. I am contemplating closing this card down and would hate to and would want to find a solution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America acc # XXXX {$35.00} wrongfully charged on XX/XX/19. 

This was charged as an overdraft. 

I had told XXXX XXXX  to withdraw $ XXXX on XX/XX/19, and to withdraw an additional {$27000.00} on XX/XX/19. XXXX  erroneously withdrew both on XX/XX/19. This caused an overdraft fee with Bank of America.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This debt is not mine and I should not be responsible for paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes my credit transaction suffer because it was harder and longer and so, I would like it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter XX/XX/XXXX from ARA Inc. indicating I had a debt in  collections with " XXXX XXXX '' in the amount of {$11000.00}. 

I called the number of the letter indicating I do not own this account and never had a credit card with " XXXX XXXX ''. The person on the phone became belligerent yelling at me telling me it was my debt from XX/XX/XXXX. 

I informed them I never had a credit card with " XXXX XXXX '', never heard of this bank and had no intention of paying this supposed " debt ''. 

The person then hung up on me. This is most definitely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: BARCLAYS BANK DELAWARE
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 have lodged disputes with XXXX XXXX, XXXX, Barclays and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

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 2020-10-14
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 information incorrect

Complaint:
This is the fifth time, there are unauthorized accounts and inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: HW Holding, 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:
In XXXX  XXXX  leaked the data of XXXX  million Americans, I was also one of those XXXX million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has  suffered greatly. Hunter Warfield has continued to report this fraudulent information to my credit report which is a direct violation of the Fair Credit Reporting Act. 

I have disputed this account twice, this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area. 
Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.1. An explanation of what this alleged account balance is for.2.A calculation of the balance, including the complete payment history.3.Documentation that shows I have agreed to pay this debt.4.The agreement that grants you authority to collect on this alleged debt.5.A copy of your state license, including license number. 

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today.

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 2020-07-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XX/XX/2020, HSBC offered a high-yield savings account with an APY close to 2 %. I opened an HSBC savings account in late XX/XX/2020. 

On XX/XX/XXXX, they reduced my APY to 1.70 %. 
On XX/XX/XXXX, they reduced my APY to 1.60 %. 
On XX/XX/XXXX, they reduced my APY to 1.30 %. 
On XX/XX/XXXX, they reduced my APY to 1.01 %. 
On XX/XX/XXXX, they reduced my APY to 0.70 %. 

Now, after failing to honor their promised APY for even a single month, and systematically gutting my APY every month since I opened the account, they will charge a {$25.00} fee if I close the account within 180 days of opening it. 

If they lured me into a savings account with the promise of an APY they couldn't even honor for one month, then they should not be allowed to hold my account hostage with account closure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XXXX. 

The three credit reports came from TransUnion, XXXX Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
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
Consumer complaint received 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Capitalone never answers the phone.they tell me that I owe them some money for interest charges, but I just paid them off.. I have been trying to reach them but they say there is a one to two hour wait, and they still dont answer.cant dispute the charge if no one answers the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage purchased our mortgage from XXXX XXXX in XXXX. Freedom began soliciting us late XXXX to do refinance with them. In XX/XX/XXXX we agreed to begin the streamline refinance process due to the low cost and claimed 60 days or less to complete. Months and months go by as Freedom would never follow up, call, explain anything happening in the process. XX/XX/XXXX I again contacted Freedom and they advised they needed copy of our SS cards to move on, no one had called me to ask for this. This was only after I had requested and dozens of calls. I send XXXX XXXXCustomer Advocate Direct Number : XXXXToll Free : XXXX ext. XXXXFax : XXXX Email : XXXX the requested documents days and have email confirming she got it. Then XX/XX/XXXX we were advised they need copy of our survey, which was promptly provided. XXXX XXXX we call XXXX XXXX XXXX company to find status, they advised that they never got the survey from Freedom Mortgage. We then send them the survey directly. There is again XXXX and XXXX of endless calls to both Freedom and XXXX XXXX to find out if anyone is actually doing the refinance. Finally we get closing date on XX/XX/XXXX and notary comes to the home and we sign our documents. During this time we are advised not to pay XXXX or XXXX 's home payment and first payment due is XX/XX/XXXX. We have received 3 collection calls from Freedom and they have billed us a late fee with Agents providing claims it will be waived, account notated, but still demanding payment. Despite our closing documents. XXXX XXXX we are notified that the refinance is not acceptable due to failed Warranty Deed and only Freedom can fix. We were advised that we would be contacted in 72 business hours. We have not received any calls from Freedom and I have spent over 2 hours on hold XX/XX/XXXX, more lies from customer care and zero response to our concerns. We believe they are being deceitful in order to gain late payment fees, collections on our home, and/or damage our credit. We feel that this is clearly trained and expected behavior by freedom mortgage and their staff to confuse, lie and be deceitful to gain financial gains at the cost of the customer. There are also no effort to ensure that our rates will be honored despite Freedom failures in their own process and procedures.

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 2018-05-07
Company: Exeter Finance Corp.
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 status incorrect

Complaint:
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Last XXXX I filed a complaint to my investment accounts bank ( Chase ) in which the brokers would buy and sell stock in various companies and only buy 1 or 2 shares at a time per day and do so for the 30 or so companies and charge me {$650.00} per month to do this. This has gone on for over 7 years. I again filed the same complaint last XXXX, XXXX and the Chase bank froze all my accounts, an IRA plus the brokerage account plus another account in which I directed the buying/selling stock. They also froze my checking and savings accounts and canceled my Debit and credit cards. This all happened XX/XX/XXXX leaving me with zero access to my funds to even purchase the basic necessities of life for 15 days until I received a cashiers check for the value of my checking/savings accounts on XXXX, XXXX. I am using another Bank, XXXX XXXX, to get my ( 3 ) three investment accounts, my IRA with XXXX shares XXXX, another account with various stock with XXXX, XXXX shares, XXXX with XXXX shares and various other stocks. The third account had XXXX or so companies stocks in which the broker cashed in the stocks without my permission causing a problem with IRS and as of this date XX/XX/XXXX I do not have control of my investments and am charging Chase with violating my 4th Amendment rights, no seizures without due process of Law. I want the name of the person ( s ) who created this seizure and to sue them for this malfeasance, theft, fraud and the 4th. Also, the said broker ( s ) lost over {$20000.00} last year alone in bad investing and tried to hide said errors in documents which are NOT available to me at this time, this has also been going on for several years including an IRS paperwork errors in XXXX in which I only had access to one investment download for doing my XXXX taxes when there were three accounts reported to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
State: NC
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 disputed an account on my Equifax report. It is from a collection company called XXXX XXXX XXXX. Original creditor was XXXX XXXX XXXX XXXXXXXX XXXX. I have no clue who this original creditor is. Equifax said the information was accurate but when I spoke with a representative I was told their investigation process was to ask XXXXXXXX XXXX if the information was correct. They replied that it was. The end. I have asked Equifax and the creditor to supply me any kind of proof that the account is mine. No one has. I have no idea how to prove that something does not exist. Please help. The amount of this collection is {$220.00}. Original date open was XX/XX/2013. I certainly do not believe that the FCRA held this type of investigation as appropriate protection for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
person misrepresented amount i owed conversation was on XX/XX/XXXX the amount quoted was XXXX actually was XXXX company is choice recovery inc

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Four months ago I replace my phone and when I got my new phone I was unable to get into my Coinbase account I contacted them many times I can not access my money I can not move my money and there is no other way to contact them outside of email. I am just trying to gain access to my account so I can transfer and close it at this point I cant do anything and no one there is capable of correcting this issue it seems..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.

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 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Good afternoon, my name is XXXX XXXX. I am reaching out to u, due to the fact my account was hacked and my entire account was drained ( {$3600.00} ), with only {$22.00} remaining on the card the card was terminated and I received a new one. The felonious charges that were made were from the state of New York, I live in XXXX XXXX, can. Bank of America EDD is the company.This incident took place XXXX XXXX. I have already filed a claim, but I'm being told I would have too wait from any where from 45-90 days until case is resolved to receive the money stolen out of my account. I spoke to claims..and I have been getting the run-around..i was told 5 - 6 different answers of when my money will be returned.Due to the pandemic and the end of the month, there is no way I can wait that long. My rent was due XX/XX/XXXX, late fee starts on the XXXX of XXXX. I understand that Bank Of America have a policy that they follow, but I ask that something be done concerning my case in a more expedient manner. I have XXXX children, ages XXXX and XXXX  years of age. So I humbly ask something can be done, I look forward to hearing from you and thank you for your time. # Claim number XXXX ..my phone number 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 monetary relief