BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital one sent me a notice that there was an issue with my card and I needed to call and speak to them at a number which they provided. They said I can call 24 hours a day seven days a week. I called the number and it was not seven days a week 24 hours a day it was only Monday through Friday at certain times. So the first time I called it was off hours and I wasnt able to get a call through. The next few times I called the wait was half an hour to 40 minutes and I didnt have time to wait. So I sent them a letter telling them that they misrepresent it the times for the phone number and I need it to efficiently deal with whatever the problem was. Rather than respond to my letter I sent they sent me a letter closing my account indicating I didn reply to their request that I call. them. Ignoring the fact that I sent them a letter. So they misrepresented to me how to get in touch with them and Because they dont have enough operators they close my account which hurts my credit and it seems unfair. I still dont know what the issue was. Please investigate and bring penalties and fines as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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 a victim of identity theft and did not make the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I filed a dispute against 3 transactions for a purchase that was made to XXXX  XXXX. I called Chime Bank on the 30th day, informing them of my understanding that, by law, the merchant has 30 days to respond to the dispute. On the 30th day, XX/XX/XXXX, I spoke with Chime Bank and they are refusing to give me information on whether the merchant has responded. By law, if the merchant hasnt responded, I am entitled to my refund. Chime Bank is holding a total of {$200.00} between the 3 disputed charges, and refuses to put the money back into my account, even after knowing that XXXX XXXX has not responded to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may I receive a letter in mail from Credit management .Lp, that I owes {$780.00} for a utility bill which I have no knowledge off I don't lived in the state where the utility Company is located I call the credit Management and let them know I have nothing to do with this bill, I also called the utility company to informed I never and account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been banking at this bank for over a year and the so called policy for overdrafts is unrealistic. I had an overdraft on XXXX XXXX XXXX, 2020. When it occurred I immediately transferred money for my connected savings account. Now it XXXX XXXX and they are charging me {$37.00} for this overdraft. I contacted Fifth Third to ask for it to be returned. I spoke to a representative and I spoke to a supervisor, by the name of XXXX. She refused to refund the overdraft, even though its been over 6 months since I had an overdraft, I had more than enough in my connected saving demonstrating that I had the money to cover it. I then asked for the XXXX over the supervisor and the supervisor refused to transfer me to a higher level of management. I would like my {$37.00} refunded. 

In a separate situation a few weeks ago my direct deposit was late processing and I applied for a signature loan and was denied not for credit but for having overdraft fees. This appears to be away for banks to denote minorities access to loans and other financial products by refusing to take fees off. 

I have a direct deposit every week and its $ XXXX and for the bank to keep doing this is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an adjustable Rate mortgage which should be based upon the LIBOR 6 month rate 15 days before the change date. This time they intentional used a date 24 days before which makes a difference in rate by 1/8 %. this has changed 8 times already and every time it was on XX/XX/XXXX or XX/XX/XXXX and this time they used XX/XX/XXXX. Nice random date which made me look at it closer. 

This is intentional fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I reached out to the company and they advise me to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CITIBANK, N.A.
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I received a call from a person claiming she was from Citi bank and that they are providing a top-up loan of XXXX XXXXXXXX. She called me 1st and then we have a discussion on the Business XXXX number of Citi bank. she asked me to purchase term insurance from XXXX XXXX XXXX for XXXX to get the top-up loan. She sent me the application form on XXXX and asked me to fill it along with my Identity proof. During this whole process I spoke to 2-3 members and they were very professional so I thought it was a legit deal. After I made the 1st payment of XXXX, they asked me to pay another XXXX for Citi bank account opening since I didn't have any, which I paid. After that again they asked me for money and at that time I asked them to cancel my application. It was told to me then that ill get a refund in 20 days but I didn't. After getting of number call from Citi bank customer service I found out that the loan was a fraud and they took XXXX for me.

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 2018-04-13
Company: Harley Davidson Financial Services 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:
According to the company they sent a letter to me explaining that two of my scheduled payments were received late, which resulted her account being delinquent at those times. They also claim that they explained the " Good Standing '' message on their website was about on my account. 
This is false! I never received any explanation about the good standing on the web site. It also does not indicate my account has been paid in full! This adverse information is posing an issue with vetting for another auto loan including student loans for college and my job!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This insurance was set up when my husband was getting a truck from a XXXX dealership. They needed proof of insurance so he set it up really quick under my name ( because we keep accounts logged in ) on accident. When numbers were finalized my husband ended up not getting the truck at all that was paired to insurance and it still sits on the dealer lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: ENCORE CAPITAL GROUP 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Midland Account Number XXXX I have an agreement with Midland Collection in the approximate amount {$4400.00}, with an original balance of approximately {$8200.00}. 

I have been asking them to send me something in writing to secure this arrangement for this amount and they refuse to so. I do not feel comfortable paying such a large amount of money over the phone with nothing to secure my settlement or protect the integrity of this negotiation. I have asked them on several occasions for there cooperation and they are just so difficult to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a invalid inquiry on my credit report for an account I did not apply for dating XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After Hurricane XXXX XXXX ( servicing for VA in PR ) offered the Disaster Relief for the months of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They didnt tell me that I had accruing interest on my loan since the past VA ( servicing ) XXXX Mortgage. At the time of the Disaster Relief option they did not tell any rulings of repayment. I keep calling and follow up the situation and without notification they affect my credit score and put my loan indiscriminate on default. 
I call and I talk to a BPPR representative to do pay by phone payments since XX/XX/XXXX thru XX/XX/XXXX but they never said that they received any keep a portion unapply to my loan. 
The numbers cause that supposly I have {$13000.00} in default even that I pay my monthly mortgage payment of $! XXXX. 
BPPR as servicer for you as qualified mortgage in VA are not in compliance with the CFPB mortgage rules. 
I need your help because as a retired VA I deserved my rights protected and stop living with all this anxiety not only for the financial issues and family inestability cause for this 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 2016-12-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone tried to open a chase amazon visa in my name, I called chase after I got an inquiry alert from my credit monitoring service, notified them that it was fraud because I never applied for the card. I do n't have enough information to file a police report which I need to place a freeze on my credit reports. They will provide any information to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware when I checked my credit report that this debt collector under the name of SEQUOIA FINANCIAL SERVICES , INC has reported incorrect information that I owe the amount {$400.00}, I have sent a notice of state and federal validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Capio Partners, LLC
State: GU
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 had a drunk driver hit me XX/XX/XXXX I paid a medical bill XX/XX/XXXX and somehow capio collections twice that I can see..in XXXX wrongfully stated I was in collections for it I want the false info removed this has been awful on me and they made my credit worse for no reason see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Texas Guaranteed
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Trellis, formerly known as Texas Guaranteed sued me in the wrong jurisdiction, I live in New York and they sued me in the state of Texas. I have never been to Texas. They also added on thousands of dollars in fees to my loan. they also started illegally garnishing my wages and forced me into a settlement over the telephone in exchange for them to no longer garnish my wages. They took over {$300.00} from each paycheck and forced me into poverty. I was forced into paying them {$130.00} a month in exchange for them to no longer garnish my wages. this is adding on to case XXXX here is the proof they sued me in the wrong jurisdiction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
They told me it wasnt going away or was going to stay on my credit score I told them I dont have it and randomly they call an Harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am currently in the loan application process with Regions Bank in XXXX XXXX, MO. It's become clear to me at this point I will not be approved for the loan. The amount requested is {$19000.00}, which is basically my monthly gross times 3 ( months ). I attached my most recent pay stub along with my investment account balances as proof of cash. Please note, though these are retirement accounts, in the event of an emergency, I wanted to withdraw funds or the loan is called, i can start receiving periodic payments per internal revenue code 72 ( t ) ( 2 ) ( A ) ( iv ) without incurring penalty ( so, i have access to these funds if want/needed ). My wife and I are basically looking to consolidate our credit card debt to one lower monthly payment. 

I've attempted to explain that the loan would basically transfer what is already being paid to a monthly loan payment with Regions. I believe I am being denied, though I don't agree with the method/calculation used, because of my debt to income ratio. I have been a member of regions for close to seven years. In my [ bias ] opinion, I feel there is no doubt about my ability to repay this loan over the note period due to steady income stream from current employer as well as rental income. Worth mentioning I also received a % 4 raise after starting the loan process and am due for another raise and promotion later in the year ( XX/XX/2019 ).

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 2020-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  XXXX  XXXX  Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had over many years used a third party program XXXX XXXX XXXX XXXX to pay my mortgage payments by deducting the payments once a month on the XXXX from my checking account in the amount of {$450.00} to pay my mortgage payments for early off. However, I got my XX/XX/XXXX mortgage statement reflecting that my XX/XX/2018 payment had not been received. I contacted XXXX XXXX on three occasion which is difficult to get through the phone system, I was verbally told that they experienced an computer gliche and that my payment for XX/XX/XXXX will be paid by the last week in XX/XX/XXXX and that any late fees will be made up by them and any negative action to the credit bureau regarding that will be corrected with correspondence drafted and submitted by their company. As to date I have not had my payment submitted from XXXX XXXX nor have I been contacted to have my monies refunded to me or late fees received or submitted to my mortgage lender. I would like my monies refunded as I had to make the additional payment unexpectedly and the late fees and I want a letter to my mortgage letter and the credit bureaus to correct the error that happen on behalf their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is an invalid debt. The debt belongs to XXXX XXXX account that does not exist on my credit reports. 

I have sent multiple Debt Validation letters to CAVALRY PORTFOLIO SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX address and never received any information about this. Please take a look into this as they refused to validate my debt and sabotaging my credit report at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Did an installment loan with XXXX XXXX for XXXX. The Rep informed of the amount that was going to be taken out of my bank account every 2 weeks. I called to inquire about my balance and learned that I still owed them XXXX. I became upset because the Rep did not explain to me that they charge a daily fee plus interest. I was told I would paying XXXX every 2 weeks until XX/XX/XXXX. They didn't tell me that I would be paying the interest and other fees first. I feel they owe me some money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft and did not make the charges.

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 2018-03-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 have called, and written, Cititcard several times stating that the balance on my statement does not agree with what I purchased and what I have paid. I asked for a recap of the purchases and payments I have made sinceXX/XX/2017 to the present date.

I have never received this recap.

Yesterday, I spent 25 minutes on the phone with Citibank. A rep name XXXX  told me that she saw where I had made requests for this info and stated " you haven't received '' this yet? I said not and she asked me to hold on.

A few minutes later, another person picked up and I said I was talking to XXXX  who put me on hold. I was told XXXX transferred the call to her. I asked when I would receive the recap of my purchases and payments, and this person disconnected the call.

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