BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Several months ago I realized I could not edit alert settings for my Capital One credit cards online. I called the company and the representative had me try different things such as clearing cookies. He finally said they would look in to it and get back to me. I changed my password that day just in case. As of today 's date, XX/XX/2019 I have not heard back from them. Today I again tried to access the alert settings and received a pop up that I got a screen shot of and will attach. I changed my password again today. I need to know why I can not access that part of my online account and if it has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a missed/ late payment on my account ; I have never missed a payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On XX/XX/2019 I contacted Chase to reject their proposed arbitration terms. Chase refused to accept my rejection. I followed up several times, but Chase continued to refuse to accept my rejection. On XX/XX/2019, I asked Chase to justify its refusal. Although I was informed I would receive a response in 24 to 48 hours after my XX/XX/XXXX inquiry, I never did. I inquired again on XX/XX/2019, and Chase 's responded as follows : " We apologize for the delay in our response concerning your arbitration agreement inquiries. [ NAME ], upon checking, we are still reviewing your inquiry. We'll get back to you as soon as we have the resolution. We sent a follow up to the appropriate team. They will respond to you directly as soon as possible. '' That was almost two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Chime Financial Inc
State: MN
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 was shopping at XXXX  on XX/XX/21 and left my purse in the cart or at the register. After putting away my things after noticing I didnt have my phone I ran back into the store to try to find my purse which had my phone, cash, ID, house keys, etc. 
I immediately went to security and let them know that my items had been stolen and we went to look on the camera. We could see me at the register and putting my phone and purse on top of the shelf nearby to ring up my items and than I walked off in that same instance someone else walked behind me and grabbed my purse immediately and walked off. 
Soon after I seen this I logged into my chime from my friends phone to disabled my card and noticed this person sent someone money one for {$1000.00} than a XXXX XXXX to someone else for {$150.00}. 
I wasnt able to cut off my phone till I got to a store but once I was able to do that and finally get a hold of chime i cancelled the debit card connected to my XXXX XXXX 

I contacted my back right away they acknowledged that it was fraudulent and issued me a new card. Right after getting off the phone with them not even sending in the documents they requested they denied my claim automatically. I sent in a lot of proof including the police report I filed. This is not the first time chime has done this to me and Im not very happy about this because this was a lot of money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CITIZENS FINANCIAL GROUP, 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:
On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with Citizen One bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan debt when I completed XXXX  school in XXXX was {$54000.00}. Today, it is {$44000.00}. I have made over XXXX payments since XXXX yet my debt is only $ XXXX less. There were 3 months where it was at collections in that time, but I resolved it. 
How is it possible it is only XXXX less? Also, the loan servicer only had from XXXX. When I asked to get my history going back to XXXX they said they can't access that as they have no history. I then contacted Nelnet, who I was able to find, had my loans from XXXX. They said they could not find my payments prior to XX/XX/XXXX because the servicer prior had gone out of business. I continued to dig, and found XXXX XXXX XXXX  who provided me with a print out of XXXX. That was all they had. We have a lapse now from XXXX. 
These are payments I have made to the federal government for my degree in XXXX XXXX, giving back to society. Payments that they can't seem to track since they switch servicers so often. A loan that after 22 years of payments is only XXXX less. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX University talked me into a XXXX XXXX  and when I completed and passes all the necessary parts to get into the last portion they kept adding more classes and exhausting my loans. I had to claim bankruptcy. Please help. I was taken advantage of and have no where to turn. My grades were good. I passed all the classes they said I needed. They just kept arbitarily adding more and more!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have requested several times to have consumer statements removed from my Equifax file. 

After each call, I received an email from Equifax with a confirmation number stating that my dispute to have the consumer statement removed has been completed, yet they still remain on my credit file. I have six such emails, all with different confirmation numbers, from each of my calls. The following dates are from the emails stating that the dispute is complete and that the statement has been removed. These confirmation numbers and dates are as follows : confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation number XXXX dated XX/XX/XXXX and confirmation number XXXX dated XX/XX/XXXX. 

I have talked to several representatives from Equifax that stated that my file would be updated within 24 hours and the consumer statement would no longer be on my file. I get an updated credit report from Equifax through a paid subscription, and the statement still remains. 
I continue to call them daily and speak with them, only to be assured that the statement will be removed this time, yet it never is. Every person has the right to remove a consumer statement from their credit file. Please help me address this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: Coinbase, Inc.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/XXXX I opened a cryptocurrency account with COINBASE and bought : Ethereum XXXX ETH on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I hadn't had any problems until XX/XX/XXXX I received an email saying my account was under review for a few days. Time passed and the account status did not change. I could not trade, buy, sell, assign a payment method. I have made numerous complaints to the COIBASE support service sinceXX/XX/XXXX, I have even sent again, verification of documentation required for my identification without any favourable result. I open the incidents, they reply automatically saying that they receive the case, but they close it without resolution. And so on and on and on until now. The last request has been XX/XX/XXXXand the case has been closed XX/XX/XXXX with the same answer, closing the issue and it hasn't resolved ( Case # XXXX ). This is because i'm writing to you. 

I have many cases closed : Case # XXXX, # XXXX, # XXXX, # XXXX and more. 

Could you please mediate, so that I can sell my cryptocurrencies and recover my investment? 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
I have spoken to this company several times during my hardships because of XXXX They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my 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 2017-09-27
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called regarding the message left on our home recorder that people heard in the room concerning a debt. they stated they were a debt collector and continued with the mini maranda. i calledXXXX XXXX and they said that i wa reposiable for his bill that we have been paying on. then i recieved a letter concering this debt on XX/XX/XXXX that stated both our names on the debt. when i called about that letter they said i was liable for the debt. on XX/XX/XXXX i recieved a letter about this debt just in my name. i sent a cease and decease letter to only communicate through the mail only. i also asked for an itemised bill that shows this is my bill only. I do believed this bill since it has the same acct # number can be a HIPPA violation for releasing medical records without the consent from my husband.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number XXXX XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

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 2017-09-29
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I would like to formally file a complaint with Synchrony Bank/Banana Republic ( BR ) for unfair and illegal predatory business practices. From XXXX XXXX to XXXX XXXX, Synchrony Bank/BR has lowered the credit limit on my BR/Visa credit card FOUR ( 4 ) times. According to letters sent by the company, the limit was lowered based on " periodic '' reviews of my TransUnion credit report. There are two issues with this : 1 ) Since I opened my Banana Republic credit card in XXXX, I have always paid my bills on time, despite an occasional late fee for being a couple days late. In those TEN years since opening my account, despite my struggles with other creditors in XXXX, I have NEVER gone beyond 30 days late with Banana Republic. 2 ) By frequently lowering my credit limit, Banana Republic created a vicious cycle in my efforts to repair my credit. Each time my credit limit was lowered, my FICO score would tumble by 30 points or more. Therefore, each time the credit was pulled during these periodic reviews, there would be little to no improvement to my score, prompting Synchrony Bank to lower it again. In fact, the last reduction occurred FOUR ( 4 ) months from the previous review. How is that fair??? Most companies review credit every 6 months or more. But what I find even more disturbing is the timing of my last credit limit reduction. In a letter dated XXXX XXXX, XXXX, Synchrony Bank/BR notified me that my credit limit had once again been lowered, this time to {$2100.00} ( note : in XXXX, the limit was increased to {$4000.00}. ). XXXX XXXX was also the statement closing date for my last bill, where I made a LARGE {$450.00} payment to the company. My goal was to begin paying down this account, so I would no longer deal with these targeted credit limit reductions. However, the company insured I would not get ahead by lowering my credit limit immediately after making that large payment. I am confident that was the case because the letter dated XXXX XXXX, XXXX notes the credit limit reduction was based on a credit review on XXXX XXXX, XXXX. That 's nearly THREE ( 3 ) months after the review!! IN ALL OF THE PREVIOUS LETTERS, THE LETTERS WERE DATED NO MORE THAN 12 DAYS AFTER THE CREDIT REVIEWS. This is not a coincidence. This is targeted, unfair and illegal business practice. I have attached documents supporting all of my claims, including a letter I wrote to the company in XXXX XXXX about this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX we closed on a brand new home in Florida with Everbank. At the time of closing we were charged for a full year of improved property XXXX {$5100.00} est ) when in reality the Trim notice from the county showed taxes of {$550.00}. The closing statement reflect a credit for taxes of {$220.00} from the builder seller for the first 8 months. 

I have grossly overpaid for the escrow and have been told by the bank this is a XXXX XXXX rule and they could not and will not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Spring Oaks Capital, LLC
State: FL
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:
In accordance with the Fair Credit Reporting Act, the entity listed below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 16841 Spring Oaks Capital , LLC Acct # XXXX has violated my consumer rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C. 1692b ( 4 ) not to communicate by postcard.

15 U.S.C. 1692b ( 2 ) not to state that such consumer owes any debt.

15 U.S.C. 1692b ( 5 ) not to use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage servicing company is roundpoint mortgage servicing corp. I have this company since the purchase in XXXX the company offers 2 major ways to pay mortgage through mail and online. in my case I use the two methods, no preference at all. my complaint is that this company has a very lousy management team, when you make your payment through mail the payment does not get reflected online and creates confusion for the customer, for example right now I am due for my next payment, I have in my check book that I already made my XXXX payment by mail and still the website reflects that it is due on XXXX / XXXX. I have called them already 2 because of this problem and also have written numerous emails to their staff talking about this problem, I am really sorry but in my opinion they are not paying attention to customer service and somebody has to step in and get things straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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: Public record information inaccurate

Complaint:
XXXX XXXX posted to my credit report that my home was damaged by the recent hurricane in Florida. This information is a lie. XXXX XXXX should not be permitted to post lies on their customers credit reports. This is not the first time this has occurred. They continue to harass me because I complained about how they discriminate against Veterans by violating the Servicemans Civil Relief Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An accordance with the fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX bank ss, XXXX XXXX Auto XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated rights. 

15 U.S.C 1681 Section 602 A States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief