BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-23
Company: Consumer Portfolio Services, Inc.
State: MD
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:
Consumer portfolios XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
my father opened a credit card with Capital one bank back in 2018 with my name and he missed two payments I've spoke to capital one bank and explained what happened and I requested to be removed of the system. the card still show on my credit report and it has negative remarks on my credit score, customer service told me that this card will be off my credit report with no negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare took over my mortgage when XXXX went bankcrupt. I have never missed a payment and they have cash all my checks or processed electronic payments. They did not credit it me the first payment made for XX/XX/XXXX, the check cleared the bank XX/XX/2019. I have been trying to resolve this for months and have sent copies of the checks 4 times and talked to them for hours. They promise to fix it but never do not, they are charging me late fees. I have spent hours and hours on hold. I have documented everyone I talked to or e-mailed. I am at wits end to know what to do any more.

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 2018-01-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello - Navient ( prior was XXXX XXXX ) was my loan server for many years. I feel that I was misinformed MANY times about repayment loan options. NEVER was I told about The Federal Loan Forgiveness Program option so I continued to make payments to Navient. I have > {$90000.00} is student loan debt AND work for an eligible institution that meets the qualifications for loan forgiveness. I 've been working with this institution for 13 years. 

If they would have been forth coming in my options, told me about the Federal Loan Forgiveness, I would have transferred my loans to the Fed Gov, met the 10 year payment requirements by now and the rest of my loan debt would have been forgiven. This is very upsetting. 

In the past year ( after finding out about the Federal Loan Forgiveness Program ) I transferred my loans to XXXX XXXX. 

Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
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:
In the month of XXXX, 2019, I stayed at a hotel in the country of XXXX for two nights. I paid for my hotel stay using my XXXX Citibank card and by using the XXXX App. The cost of my two night stay was approximately {$260.00}. No problems so far. 

Some time after my stay at this hotel, I saw on my credit card statement an additional charge of {$1800.00} issued by the hotel. The name of the hotel is XXXX XXXX, XXXX. 

I immediately called Citibank to dispute this charge. Citibank suggested I call to hotel to attempt to find answers to the problem. I did, four times, but nobody was able to offer me any information on the charge. With that, Citibank began an official investigation. They gave me a temporary credit of {$1800.00}. 

On XX/XX/XXXX, I received a message from Citibank saying the dispute had been resolved in the merchant 's favor because the cost of the two night hotel stay was {$260.00} and I had indeed stayed for two nights. They had investigated the wrong charge! And then they removed the conditional credit of {$1800.00}. 

I emailed them back immediately, letting them know that they had investigated the wrong charge, as evidenced by the fact that my conditional credit was for {$1800.00} but the documents they had sent me were discussing a different amount. 

Three weeks later, I got a reply that they had reinvestigated a charge of ... {$260.00}. Again, they had investigated the same unrelated charge! Despite the fact I had gotten a conditional credit for {$1800.00} back in XXXX, Citibank was continuing to investigate the charge of {$260.00} for my original two night stay at the hotel, a charge that I never disputed. 

I have emailed Citibank again over this but have gotten no reply. Meanwhile, the charge of {$1800.00} continues to charge me nearly 30 % interest. 

I am attaching the 3 documents I have so far received from Citibank. If you look at them in order, you can see the absurdity of the situation at hand. 

I would be grateful for any assistance on this matter.

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 2018-01-07
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In protest, I paid a fraudulent " speed-trap '' fine of {$350.00} imposed by the XXXX County Colorado Court, XXXX XXXX XXXX, Judge. The fine was for a false police radar claim of 44 mph in a 30 mph zone in XXXX XXXX, Colorado. I was travelling 29 mph at the time, but the police radar unit was operated in an RFI ( radio frequency interference ) -zone created by six large neon-type casino billboards located in the narrow valley of XXXX XXXX. The XXXX County Court lied to me about my hearing date so I would not be aware of my appeal date and accepted the false police radar reading as correct ... and imposed a default judgement. 

Since I appealed the above default judgement and delayed payment of my fine, Judge XXXX ordered the cancellation of my Colorado Drivers License and employed the collection form of Linebarger Goggan Blair & Sampson, LLP to collect my fraudulent fine. Since I must travel for work, I was forced to pay the above said fraudulent fine that included court costs, and I did so with a certified bank check, from XXXX XXXX. Linebarger reported to me that they received this check on XX/XX/XXXX but placed a 14-day hold on the check as if it were a personal check. On XX/XX/XXXX, the Clerk of the XXXX County Court advised me that they still had not received any of my fine due to them from Linebarger. In checking with Linebarger that same day, they advised they sent a check to said Court by " snail-mail '' on XX/XX/XXXX. I assume the Court may receive this check on XX/XX/XXXX so the Court can order the Colorado DMV to reinstate my Colorado Drivers License by the following week. 

I object to Linebarger 's collection of fraudulent debt, but this may not be corrected in any way. The error in question is Linebarger 's placing a 14-day hold on my certified bank check as if it were a personal check. This delay cost me time, money, forced changes in my classified training schedule, and added delays in my completing training materials all due to my not having my Colorado Drivers Licence promptly restored. My total damages directly caused by Linebarger 's error are {$750.00}. 

XXXX. For background purposes, I am a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personnel in various parts of the U.S. Linebarger 's above said error acted to delay my travels at least 2-weeks. To confirm my special operations  background, please see the study entitled " XXXX XXXX XXXX ... XXXX XXXX, '' as posted on XXXX ... or check with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX in my business name XXXX, XXXX from XXXX XXXX  XXXX After recently checking my credit report I found that Chase Bank and the credit agencies put the business car on my personal credit report. No one gave me an option to not buy the vehicle under these circumstances. If I had known this is the practice of Chase Bank, I would have purchased through someone else. XXXX XXXX did not tell me who the vehicle was financed. When I signed the contract, it did not state the vehicle will be on my personal credit report. This is not in the contract. I was misled into purchasing this vehicle. This vehicle should not be on my personal credit report. The contract is not a valid contract. 
I'm confused, Did my business purchase the vehicle, or did I personally purchase the vehicle? 

Putting this vehicle on my personal credit report increased my debt-to-income ratio, lower my credit score, and prevented me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Filed a dispute with all three credit reporting agencies, that they are inaccurately reporting the following inquiries that I am not familiar with or not mine ( did n't authorized the hard pull of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX, 2016 and XXXX XXXX, 2016 XXXX and the 30 day later notice of : XXXX XXXX XXXX. Not accurate or mines. 
A certified mail was sent to the above mention, as of date, I have n't receive any response and the information is still being report, that impacting my ability to obtain further credit. Without Prejudice

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 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I sent in a police report and FTC letter to the credit bureaus XXXX or XX/XX/XXXX. Capital One was deleted from my report. However, Capital One put the card back on my report. I called Capital One to get an explanation. They said they validated the account was mine. I told Capital One I think a family member stole my Identity and applied for cards in my name and at my address. Capital One said they validated the debt as mine. In XXXX or XX/XX/XXXX I called them back. They told me I had to pay the balance, and that they could not help me. I set up a payment plan because It was affecting my score badly. Capital One would not do a pay for delete after asking. In XXXX or XX/XX/XXXX I called Capital One to get it deleted again. They refused. I called the credit bureaus XX/XX/XXXX to try to get it deleted again, and the credit bureaus told me capital One put a cap on the account to keep me from disputing the information ever again for it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Miller, Stark, Klein and Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX from this number. They may have tried to use other numbers but left no messages. I even blocked them but they continue to leave messages I have received repeated phone calls from local numbers saying they have had numerous  complaints about me and have made repeated attempts to contact me. Refers me to call XXXX A reverse search reveals it to be a collection company called Miller Stark Klein & Associates. Per XXXX and XXXX, this company seems to focus on collecting phantom debts. My complaint however specifically relates to the fact that they did not identify themselves as a debt collection agency as per the CFP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: TN
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 was alerted by credit karma of a account showing past due. upon looking into the alert I noticed a account with opploans. I did not open give permission to open or have any knowledge of this account. a complaint with the FTC has been filed and communication with the company results in me being hung up on. after review the company oppsloans did not pull my credit as there is no inquiry shown had this been done it would have shown I'm a victim of identity theft and they should not open any accounts in my name. this company clearly does not adhere to the FCRA federal rules and demands payment for an account I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: KS
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:
This is regarding dispute number XXXX. 

The charge was on XXXX, it was disputed on XXXX, and a permanent credit with no additional documentation was issued in my favor on XXXX. I am submitting additional documentation for your records for Citbank 's record 's because billing disputes doesn't seem to be doing their jobs properly. 

As you can see, my copay was {$10.00}, but XXXX XXXX billed me {$20.00} in error. I reported the problem to XXXX XXXX and they failed to reverse the charge, so I disputed it. Over two months later, within the dispute period, XXXX XXXX finally issued a credit to my account on XXXX. So they were obviously alerted by Citibank to the continued problem with the billing error and credited the account. But it appears Citibank had yet to catch their credit because the disputed history still showed the amount as permanent on XXXX. I figured Citibank would eventually reverse the charge, honestly forgot about it as well, but Citibank didn't reverse it until I withdrew it and notified them in writing. 

I am assuming Citibank didn't catch it is because it was listed as a permanent credit? I tried to search for a {$10.00} rebill through Citibank 's transaction history, but I was never able to find one at the time because their website kept kicking me out and sporadically would not perform searches properly So, I ended up having to comb through my statements that I have saved for my records. I still can not find a rebill for {$10.00}. 

I also need to verify that this charge was not listed as misrepresented. If it was listed as misrepresented, I will need to take it up with XXXX XXXX 's as well at the state healing board. 

I am including the following documentation : a copy of the XXXX XXXX 's dispute, a copy of their eventual credit dated XXXX, my XXXX XXXX XXXX XXXX XXXX claim, the XXXX XXXX 's withdraw, the XXXX XXXX 's rebill that shows a posted date of XXXX ( this is well before my withdrawal dated XXXX, so I am unclear why they used this date ), and a screen print of the alert I sent to billing dispute. 

Finally, they should have asked me for all of the supporting documentation during the dispute period.

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 2017-07-31
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This week, the week ending XXXX/XXXX/17, The Discover credit card company closed down my account for no reason, right before I was going to use the card to make a payment for a debt that I owe, and stated that I needed to send a copy of my drivers license, social security card and proof of address for no reason at all. I had been paying on time always and never had an issue before. I currently owe less than {$100.00}, which is very little, on my card since I generally keep my balance at a zero balance most of the time. I have been a great customer always paying on time and I have a high credit score of over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. XXXX has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to XXXX to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: AMERICAN EXPRESS COMPANY
State: AL
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 have several hard inquiries on my credit report that I DID NOT make and XXXX  is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to XXXX to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are AMEX : XX/XX/2019 XXXX/XXXX : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX account which is through XXXX XXXX. I have received 16 calls in foyr days from them. The number is XXXX. When I pick it upnobody is there. When I let it go to voicemail it is a message to contactthem right away. When I called them they said my account is up to date and there is no problem. When I call the XXXX number back they say the same thing. I have never been late on any payment. When icall and ask them to stop contacting me they sayghey dont know why ghey would be in the first place. I called four times and demanded they take action to stop these bothersome calls. Tjis time they said it could be someone else fraudulently using their number. That was when I had enough. 
Can you please help. This bank is the worst at customer care. 
Thank you, 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 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of America is engaging in fraudulent activity when consumers apply for their credit cards. In XX/XX/XXXX I applied for the Bank of America XXXX  Signature credit card and was not approved. However, Bank of America automatically approved me for the Bank of America XXXX Platinum Plus card. This is an entirely different product with a different annual fee and different features. At no point in time did I apply for this card, nevertheless Bank of America opened it in my name and it appears 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 non-monetary relief