BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX I applied for a Capital One Visa card and I was denied due to company errors of new credit card application Capital One Mastercard approval back on XX/XX/XXXXor XX/XX/XXXX. 
In which six months has past as of XX/XX/2018 as Capital One Administration stated their guidelines is six months in applying and I had a Pending Capital One Mastercard Credit card back in XX/XX/XXXX orXX/XX/XXXX. 
That Pending Capital One Mastercard credit card application was approved onXX/XX/XXXX or XX/XX/XXXX in  ending # XXXX in which is active from XX/XX/XXXX or XX/XX/XXXXtill Present. 

I have been making timely payments since XX/XX/XXXX till Present and I pay over the $ XXXX monthly payments of {$100.00}. 
I spoke to Capital One Credit card rep on XX/XX/XXXX from my cell phone XXXX and requested for Capital One to " Reconsider Application of XX/XX/XXXX as Capital One pulled my credit and place a hard inquiry on my credit report and it decreased my credit scores on XXXX, XXXX and XXXX 

Also on my resisting Capital One Mastercard ending in # XXXX I requested a credit limit increase over {$750.00} and I was denied because of my XXXX XXXX. 
My XXXX XXXX Pension XXXX  income is around {$53000.00} a year with a XXXX % XXXX   increase every year on XX/XX/XXXX, so my XXXX Retirement income increases every year onXX/XX/XXXX. 
I am Retired and XXXX XXXX.I am also a XXXX XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your XXXX XXXX Updated + 'icon ' Updated XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Deleted + 'icon ' Deleted XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains FTC was filed address was wrong took more than 30 days even law with covid gives creditors 45 days has past those violations in DAYs Fcra said if items are not 100 % accurate which I have proved in previous disputed items how can the above creditors deem this CORRECT

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 2019-08-22
Company: ARVEST BANK GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I send in my payment and payment coupon with extra money to be applied to the principal, my mortgage company applies the entire amount as additional principal and NOTHING to my monthly balance, resulting in late payment notices and penalties. Im currently paid through XX/XX/2019 and Im being told I still owe for XX/XX/2019. I have talked to them 7 times and followed their instructions twice and still have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
I'm filing a complaint on Navy Federal Credit Union for continuing to report the following accounts. Accounts ending in the following numbers XXXX XXXX XXXX XXXX were mailed and cashed by Navy Federal Union that stated ACCOUNT PAID IN FULL. Navy Federal Credit Union accepted the terms and cashed the checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not authorize, consent to or benefit from this account. Block and remove it immediately.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: WI
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:
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Experian Business Cred XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinanced my home with a 30 Year first mortgage and what I was led to believe was a normal 30 second second mortgage some 12 years ago through XXXX XXXX. About 9 years ago I filed bankruptcy due to the hard economic times. The accounts were sold, the first mortgage to XXXX XXXX XXXX and the second to 21st Mortgage Corporation. I have maintained the payments on the first and second mortgages and they are current as of this date. Due to the bankruptcy, on-line servicing of the account was not possible until recently. Upon review of the information I realized that I had not been sold a normal mortgage for the second. It was set up as a balloon mortgage. I originally borrowed {$150000.00} at 9.75 % interest. My payments over the past year are {$1300.00}. I noticed that the term is only 180 months or 15 years and that I currently owe {$130000.00}. I contacted the mortgage company who explained that in 2 years the loan would be due and that I would have have to pay the balloon amount off, approximately {$130000.00} or get a new loan. Is this legal? I feel I have been deceived by XXXX XXXX. My loan was a hurry up and this was not explained to me. I would not have accepted a loan that had an exorbitant balloon payment of {$130000.00} after paying {$1300.00} per month for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Conn's, Inc.
State: MS
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 purchased a 78inch Samsung TV from XXXX XXXX XXXX, account # XXXX. I paid this account off in full in the amount of {$5500.00}, which is approximately {$1300.00} more than I owe. This account was paid by check from refinance of my home by check # XXXX and cashed by Conn 's on XXXX XXXX, XXXX. To date, Conn 's is still not credited my account with this money and is currently pursuing collections and making negative marks on my Credit Bureau!! I have called Conn 's on a dozen occasions and they continually call me, text me, mail me collection notices telling me I owe months in arrearages with my account! They tell me it could take 3 billing cycles for this to correct and nothing they can do. The mean time, my credit suffers, I 'm harassed and missing {$1300.00} they owe me! I have reported them to the Better Business bureau, Federal Trade Commission, and now your agency. Please help me. I also bought a Refrigerator in XXXX of XXXX and they are reporting my credit that I was late to pay when I had n't even purchased the Refrigerator at that time. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I mailed letters to XXXX  XXXX, and XXXX Also, the collection companies Wakefield & Associates, XXXX, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response from any of the Collection Companies on the accounts and its been over 30 plus days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I still have accounts appearing on my credit report that are part of my identity theft case and the bureaus will not remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a checking account with TD on XX/XX/2018. A few days later I attempted to attach my XXXX account to the checking account, and shortly after TD locked my account. When I called in to unlock the account, I was told I needed to verify my identify in person at a branch. This is not possible due to the one-way 4 hour drive to the closest branch and after I told them as much, no helpful response was given.

I immediately told them I'd like to close the account, but was denied that ability due to them being unable to verify my identity despite the very process that allowed them to open a checking account in my name in the first place. 

I assumed the account would close within 20 days because due to the XXXX XXXX XXXX accounts are closed when not funded, but when I attempted to link my XXXX, XXXX sent trial deposits and never withdrew them since I didn't have the opportunity to verify the trial deposits. Since this occurred, the account was never closed, I've been charged a $ XXXX monthly maintenance fee, and I can't access/close the account without making an 8 hour trip to the nearest branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers. 

I would appreciate it if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
It will ensure the database has accurate information about 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been checking my credit report for months now trying to refinance my house. 
Everything was okay with my XXXX Credit Report but when my bank pulled my XXXX Credit Report they found a credit card with CITI XXXX XXXX XXXX. 
This card was opened in XX/XX/XXXX by a man I lived with for 4 months and put me down as an authorized user on this card without my knowledge. I consider this fraud because I never gave him permission to put me on the card. I want my name removed from this Citi Card and taken off my Credit Report. If I have to file charges then I will do so. I have been working on my credit report for over a year now and this happens. Help me get this off my credit report. I don't understand how someone can just call up and get a person on a credit card without their permission. I called the Citi Credit Card Company and they are telling me that he has to call and take me off the account. What are you kidding me!!! 
He has filed bankruptcy on this card and it is closed. This does not make any sense.

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 2019-11-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
So I attended XXXX in XXXX XXXX XXXX In Texas and before I even graduated they closed the school down. I find it a bit unfair to have to pay this loans back when they shut down the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Several years ago I obtained a XXXX XXXX Mortgage from PNC Bank. All was good and I always made my payment 2-4 weeks ahead of time. At some point last year PNC Bank discovered that if I pay early I pay less interest. They changed their system and its been a disaster ever since. Every month it appears like I have not made the proper payment. They have flat out told me I can no longer make early payments as it will mess up their system. As a commissioned sales person I always like to stay ahead in payments just in case I have slow month. I can not do this anymore. I have received 2 calls over last 6 months regarding my " late mortgage payment ''. This infuriates me as I have never been late on a mortgage payment in 35 years. 
PNC really screwed up when they designed this loan. Not my problem. I did not even realize what was happening until the changed their payment system.Of course they lied to me for the first 6 months about the how's and why's of their system. I finally figured it out for myself.Once confronted with this info several phone reps have admitted how the system now works and why.It 's all about the interest they want to collect. Is it even legal for them to prevent me from paying early? Or to change the payment system?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CORELOGIC INC
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: Reporting company used your report improperly

Complaint:
This complaint is addressed to CORELOGIC CREDCO. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights has been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-02-07
Company: EQUIFAX, 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. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C 1681. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U-S-C 1681 602 A- Stat 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 a account without my written instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more then seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX  XXXX XXXX Balance : {$2800.00}.

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 2018-05-01
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Several years ago, there was a big intiative for lending club to incentivize people to bring over ira money and invest it in the peer to peer loans on the lendingclub platform. I agreed to roll about $ 20k from my XXXX ira into this account and invested it in notes. As the notes started to underperform and started to change the return from around 9 % to down to 2 %, I tried to take some money out of the platform. It was at this point that I was told it would cost {$25.00} to take any amount of money out of the account since wire transfer was the only way this could actually occur. Additionally, there's a {$200.00} charge to close the account. 

I've never heard of a fee to be able to close an ira account. Especially with this type of investment it's a problem because the money comes in over a XXXX year period in small increments. The money would have to come in there and sit for years before being able to move it into another investment. 

This was not sufficiently communicated to me prior to my agreement to roll it over.

Company response to consumer: Closed with monetary relief