BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
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:
XX/XX/2021 Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern I previously held two credit cards backed by your organization ending in XXXX and XXXX. Apparently there were prescheduled payments on file that were returned to you as the result or large authorizations while providing in light of care for father. 

I was advised to provided a copy of the obituary to have account restrictions removed and accounts reinstated. The sadness of it all is that this still to this day has not happened. I never miss a payment one of the two accounts is within {$50.00} of completely being paid off and the other is always paid early. Do you know gut wrenching it is to see customers that run up large balances and charge off with you get approved months/years later but I pay on time and early incurred confusion as a result of something I was not even made aware of and I am blacklisted?? 

As an added measure of sadness I have provided obituary for proof as well. Please do the right thing lift the restrictions and reopen. I have been a model customer prior to and ever since. Multiple supervisors stated there should not even be a restriction here but yet here we are. 

I loved Capital One during my time this is so disheartening. 



Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed who was a veteran and I tried to get mortgage assistance to lower my mortgage payment. Round point my mortgage servicer refused to help me with lowering my mortgage payment. I called them a lot of time for assistance with my mortgage. I'm still living in the property and I want to keep my house. I'm elderly and need help

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in 2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, Transunion and XXXX reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in 2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX  that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, 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 explanation
Consumer complaint received 2020-11-17
Company: ERC
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: Information belongs to someone else

Complaint:
On XX/XX/2020, ENHANCED RECOVERY COMPAN add a collection on my credit report per XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: NV
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:
( XX/XX/20 ) My mother called The XXXX XXXX/XXXX to remove me as an authorized user as I have never used this credit line or activated any cards and this was negatively affecting my Credit Score. 

( XX/XX/20 ) The XXXX XXXX/XXXX  removed me as an authorized user and my XXXX XXXX shot up over 100 points. However, Experian and XXXX did not reflect the recent change. I was able to contact XXXX through their website and able to dispute this which they gladly removed it, and the score soon reflected that change. 

I am in the the process of refinancing our home as my husband has lost his job due to COVID-19 and we can barely make ends meet on a nurses salary. I need a good score to refinance so we can keep our home. On ( XX/XX/20 ) the loan company revealed my scores : XXXX XXXX, XXXX XXXX, and Experian XXXX. 

I tried to dispute it online through the Experian membership but it is not available to dispute nor could I get through to speak to a representative at any of their numbers. Please help me to get Experian to reflect my proper credit score.

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 2018-07-10
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2018 I went to the XXXX, CT ( XXXX ) branch of Key Bank where I was a customer for a number of years. I needed to close my accounts and was assisted by one of their tellers in this. She was able to successfully close my checking account and give me a check for the balance, but when she attempted to do the same with my savings account, which had a balance of about {$11000.00}, a " computer issue '' occurred. It was unclear what this issue was, only that she was " locked out '' of the system. She called Key Bank 's helpline for assistance and after an hour was unable to make any progress towards closing the account and cutting me the check. I needed to leave the branch due to a commitment but was assured that she would continue to work on the issue and call me that afternoon. I was not contacted and called the bank myself on XX/XX/2018 to ask what was happening. They informed me that the teller who assisted me in closing the accounts was no longer employed by Key Bank and that the manager was investigating what had happened to my funds. My account has been closed ( this is shown by my online banking app ) but I have received no funds. I have contacted the bank again and have been given no answers, no updates beyond " we are working on it. '' At this time I feel suspicious of what has happened, especially as the employee in question is no longer working there. I can not understand why I have not been given my money, as it has now been 3 weeks since closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$40000.00} -This is not my account.

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 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$40000.00} -This is not my account.

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 2021-01-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The data that you showed in my credit report I previously requested a proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested multiple times that XXXX XXXX XXXX does not call me and only communicate through mail. However they continue to call me and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Focus Receivable Management placed a collection on my credit on the behalf of XXXX. I filed a CFPB report and the company ( Sequim ) asked me to contact them directly. I did not email them as I do not feel comfortable providing my social to a third party. The response from the company was to call XXXX XXXX. I have made multiple attempts to call Ms. XXXX and every time I call it goes to voice mail and her box is full. I have made a video recording of me calling and having to deal with not being able to leave a message. At this point, I feel the company just answered the way they did so I would pay something because they placed it on my credit without any mail or call. I am at lost on how to get this remedy at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: MA
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:
I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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:
4 XXXX  ON CREDIT REPORT INACCURATE INFORMATION FTC AND CRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX someone named XXXX called my cell # from a collection agency named XXXX, XXXX XXXX XXXX. She stated that I owed {$1100.00} due to a delinquent joint bank account that I had opened in XXXX with my husband through formerly know n as Wachovia ( Now Wells Fargo since XXXX ). She said this debt was not resolved in XXXX and that the action was not pursued until XXXX when they sent multiple letters to my home address. She said I could pay half of the debt today and they would remove any further legal action from my social security number which she read out to me at the beginning of the call. She said that if I didn't pay they could prevent me from utilizing a bank account, debit card, credit card for up to 5 years, they could take any stimulus money, tax returns, assets, garnish wages, etc. That this would be reported to the 3 major credit bureaus and I told her I would not pay anything over the phone and that I needed something in writing. She emailed me a letter that stated exactly what she had said on the phone. I looked up their website and it seemed legitimate. So I called Wells Fargo as I did once have a joint account with my husband through Wachovia bank in XXXX but we closed the account in XXXX and have been in good standing with Wells Fargo ever since. The teller at Wells Fargo did not find any debt under my social security number or my husband 's social security number. Also, the teller informed me that Wells Fargo no longer utilizes third party services for debt collection. So, I then called XXXX from the supposed XXXX, XXXX XXXX XXXX and told her that I contacted Wells Fargo and they have no record of a debt owed by me. She asked me if I called the XXXX number for Wells Fargo and I told her that I had and she said those people make {$10.00} an hour and they don't know anything about this debt because it is not through Wells Fargo it is owed to Wachovia. I also told her that they informed me that Wells Fargo does not utilize the services of a third party for the debt collection any longer and she told me that XXXX, XXXX XXXX XXXX was not hired by Wells Fargo rather they are retained by the Virginia Department of Treasury for this debt!!! So, I told her that I would contact the Virginia Department of Treasury then and she said " FINE, I will put this on the lawyer 's desk then!! ''

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 2019-02-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-07-10
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 information incorrect

Complaint:
Every single month I have to file a complaint with transunioun for not updating my credit card accounts, this time it's my XXXX XXXX acct the balance is {$5.00} and has been updated on the two other bureaus since the XXXX, I have attached screenshots of credit report from XXXX and XXXX  showing my XXXX card, again transunion is the only credit bureau every single month that is not reporting my balances on time, this is very very frustrating and time consuming and needs to be resolved this month for good it does not keep happening, I have also attached my transunion report, again every single month there are reporting issues with transunion, I should not have to do this complaint every single month, my XXXX card may also be labeled XXXX XXXX XXXX, the balance is {$5.00} report date XX/XX/XXXX the XXXX of every month as u can see on the report, past and present

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 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I overpaid the credit card {$9000.00} last XXXX. The account was restricted by Capital One. The case number is XXXX. 

I understand Capital One has fraud concern about these payments. I tried my best to work with Capital One to prove the payment was real, not from fraud transactions. I gave Capital One the statement from where the payment comes from, and did four-way calls to validate the owners of the accounts. 

Last week, Capital One said my account restriction was removed, and I'm asking the refund check from Capital One. They said they will work on it. I never heard back from them again. 

This week, I called again to Capital One, I was told the account was restricted again. The customer service told me I provided all the information Capital One needs, and they were still trying to remove my restriction. I'm so confused about the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wired my money ( {$8000.00} ) to Coinbase USD Wallet. The money was successfully wired. However, after receiving the money, Coinbase requires me to give them my social security number to buy, sell, withdraw that money. However, I do not have an SSN, so I can not do anything with my money. I have contacted Coinbase via email on XX/XX/XXXX, but haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: NV
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:
The accounts listed are not my accounts, and maybe someone elses. Please remove them. XXXX Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020 I attempted to buy a computer graphics card from XXXX from someone names XXXX XXXX XXXX. This person stated that XXXX XXXX took too much money from the buying transaction and thought XXXX was a good payment form. I thought the same as XXXX goes directly through your bank. I was wrong though. It has now been 2 weeks and i called USAA ( my bank ) to get an update. Just to be slapped in the face by being told " We got a response back from XXXX saying that in there terms and conditions they can not do anything in a buyer and seller situation. So I bought a graphics card for {$450.00} through XXXX but never received the item and even tried to contact the seller multiple times but was blocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021 BMO, representative XXXX advised the XXXX XXXX business checking account had been closed. Without prior verbal or written notification. The attachment provides a XXXX BMO ledger, While, limited contact with the bank has occurred since the account closure. There have been repeat consumer complaints against the bank and/or branch. Those include negligence, harassment along with deceptive business practices. 

The initial occurrence with the bank happened with XXXX ( Branch or Company vice president ). To which most details are available upon request happened during our initial visit alone. However, it was our second visit the executive performed a mind hack or trick, that mirrored a female urinating on a male act while sitting in her office. -disgusting. 

It is believed the harassing business practices which XXXX displayed. Continued to lead the executive to follow my movements throughout parts of XXXX. While for the most part not physically harmful the perception is this practice falls along the line of malpractice, harassment and company negligence.

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