BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX, XXXX XXXX on line opened a cd account with Capital One. On XXXX our bank transferred {$30000.00} to Capital One. Upon learning that the cd was a non-ira account and that Capital One would not or could not change the account to an ira account, XXXX closed the account on XXXX expecting the {$30000.00} to be transferred to our bank account immediately. We have not received the {$30000.00}. Talking to XXXX from Capital One on XXXX, he said some verification has to take before sending our money which they have back to us. He said to expect this my XXXX and that we might not get the money until XXXX. 

This is outrageous, the account is closed, they have our money and will not return it to us and they know where to send the funds which is the same place where it came from.. As far as I am concerned Capital One has an authorized usage of our money from XXXX until the time we get it. This is free money for them. This is my complaint. This is illegal, and if not, it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions 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 filed for Chapter XXXX back in XXXX of 2009, in XXXX XXXX of XXXX California. I recently noticed after all this time that Experian has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX XXXX BKPT CT CA XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX XXXX of California XXXX XXXX XXXX XXXX, CA 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 2018-11-12
Company: EQUIFAX, INC.
State: NC
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 check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. 
In addition, I am unable to get my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an email on XX/XX/XXXX, 2021, stating that my account was permanently suspended due to a violation of the membership agreement. At the time I had a balance of {$550.00} on the prepaid debit card. I have been trying to contact the company, but soon as I enter my account number into the system, the recording says that no one can help me and hangs up. I have also mailed in a letter to the address listed in the email and still have not heard anything or received my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CareCredit sent notification to all three credit bureaus on XX/XX/XXXX that theyd closed my account. However they continue emailing me as recent as XX/XX/XXXX of encouragement to use my card. I logged in and the account is still active on their site. I emailed them and they only said they closed it but wouldnt address the fact they never notified me, updated the site, and kept sending notices to use the card. They now refuse to correct the notification to the credit bureau even though I took a screen shot today that the account is still active

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 2018-01-14
Company: Mercedes Benz Financial Services
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was purchasing a truck from XXXX XXXX  XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX. I also purchased a extended warranty at that time, and got the gap insurance to.I put {$3000.00}. down on truck.Truck was financed through Mercedes-Benz financial. Extended warranty with XXXX. I have got all my paperwork. I ( XXXX XXXX ) was driving back home to XXXX, SC on the way I had lights going off on dashboard. I called and text XXXX about this, he said keep driving it because of truck sitting. ( i got my textes ) i kept going, got truck home and loaded it up getting ready to go to XXXX GA got a job with them owner operator.When i got ready to go on the XX/XX/XXXX truck would n't crank. Text XXXX, but i got a jump and went on to XXXX. On XX/XX/XXXX took truck to XXXX get a DOT inspection for XXXX XXXX. Truck did n't pass. Needed brakes.I got it fixed.I have not even pulled my first load at this time. Then on XX/XX/XXXX had problems with truck took truck to XXXX XXXX, XXXX machainic called Mercedes and was going to get approved to do work through insurance and they stated i did not have insurance. We all XXXX and myself was looking at paperwork and said i got prove of insurance and could fax it they said no. I had to pay out of pocket.XX/XX/XXXX back in shop again, called Mercedes they still say no insurance out of pocket again. XX/XX/XXXX had to get truck worked on again., had to pay out of pocket.XX/XX/XXXX-XX/XX/XXXX back in shop.XX/XX/XXXX in shop. XX/XX/XXXX in shop. XX/XX/XXXX back in shop,XX/XX/XXXX in shop. Each time i would call Mercedes about truck being in shop, I could not keep making payments and paying for truck in shop, Mercedes finanly said get truck out shop and i could catch up on payment. I did and the week i got truck out they said make payment are they was going to repossess truck, I tryed making half payment they would not accept it. They said bring truck and turn in. I took truck to XXXX NC and called Mercedes and told them where truck was. I talked to them, Mercedes said since i turn truck in it would not go against my credit but it did. I paid out over $ 11,000.on my truck, I paid for a warranty and was making my payments, I could not afford both. I lost my job because truck staying in shop all the time. I lost my truck and my job, and got a repossession on my Credit. How can i get this off my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The car loan was a joint account one. The person who was in charge was my ex wife who made the payments late on purpose while I was XXXX. Once I know about what was happen I paid off the account almost 2 years ago ( XXXX XXXX ). It still appearing in my credit and hurting my credit score ( XXXX  ). We were in a divorce case and she didn't want to sign the divorce, she threaten me about what she will going to do if I divorce her. She did, she try to affect my credit. I tried to fix this issue with the company and they do not listen, do not want to help. The account is closed paid in full and still appear in my 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 explanation
Consumer complaint received 2018-01-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am the Court appointed personal representative for my XXXX son. I first contacted American Express in late XX/XX/XXXX/early XX/XX/XXXX to close his " Serve '' card. XX/XX/XXXX I faxed the documents I was told were required. In a letter dated XX/XX/XXXX the Prepaid Resolution Team identified additional documents that were required and I faxed those documents. In a second  letter dated XX/XX/XXXX they identified different and overlapping requirements which were faxed to them. Having heard nothing from them on XX/XX/XXXX I requested a status update. A letter dated XX/XX/XXXX ask for document that had previously been provided. They were faxed again. Having received nothing from the company I sent the requested documents again on XX/XX/XXXX. In a letter dated XX/XX/XXXX, postmarked XX/XX/XXXX, that was delivered on XX/XX/XXXX the company states they can not read my fax, require additional documents, and unless thy receive those documents within 10 days they will close the matter. 

On XX/XX/XXXX I again faxed all the requested documents. Because of the claim that the fax was unreadable that same day I via USPS mailed them copies of all the documents. In a letter dated XX/XX/XXXX they asked for the same documents that have been provided multiple time by fax and in hard copy. They provide no customer service contact information only a mailing address and fax number. 

XX/XX/XXXX I called a different portion of American Express hoping they could get me to a human who could assist in resolution. They were able to find an for internal use only phone number ( which they could not release ). The sales rep waited with me literally for over one hour and  nobody answered. The individual had exceeded the time they were allowed to remain on a call and the suggestion was to call again the following day and try again. 

I have a file of the correspondence that I hope to attach to this complaint, along with copies of the documents that have been submitted numerous times, and a fax log showing transmissions to the company. 

It should be noted my son XXXX on XX/XX/XXXX - - American Express continues to charge a monthly fee on his account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX mortgage company placed my mortgage into deferment/forebearance in XXXX of XXXX without my consent. I addressed that I had been affected by the virus but was able to stay on top of my mortgage for a time with savings. I asked to be removed and to save the option for when it was needed. After exhausting all options I requested forbearance in XXXX. It was granted but the company advised I was previously entered and they had not yet updated my information. Their account XXXX XXXX XXXX got in touch with me and advised I would start fresh and my account was updated to reflect I had a XXXX year forbearance allowed as a result of being affected by covid. My business and income sufferred as did my clients. The forbearance was to start from XX/XX/XXXX to XX/XX/XXXX. I was required to request and extension every XXXX months. When I requested the final extension it appeared to go through online as usual. However, I sold my home in XX/XX/XXXX and my credit was severly damaged in XXXX after a 30 day late on my mortgage was added to my credit account. XXXX XXXX never updated my account to show the correct forbearance dates. And now that my account has been completely paid and up to date, they advised it is closed and they can no longer see the notes or fix it. In fact, they even sent a letter to my home after the fact advising my home would be short sold. This is horrible! The company has failed to correct and error and now my credit is suffering and it impacts the purchase of our new home. Our family has no place to go. How can the lender be allowed to do this? Never was I called or a certified letter sent to inform me of this. It was an error on their part and even though I have asked them to investigate and repair it- they deny having made any error and refuse to delete the negative credit item. I provided them with the email requesting the details and the account XXXX who stated this would be resolved and my forbearance reestablished for the year ( as needed XXXX months at a time ). Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is stating that I had opened an account with them. And that my account went overdrawn. That i know owe them almost XXXX I never did any of this and have given them everything they need. Dont understand why they keep calling me over and over in regards to this. Said they spoke with me in XXXX. In XXXX I was in the hospital and pretty much in a delusional state and very ill. I dont remember talking to them and i believe they took advantage of me during this time. Especially given I was not in my right atate of mind when i talked to them. I just want this to stop. I cant keep going on with this

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 monetary relief
Consumer complaint received 2019-04-05
Company: AES/PHEAA
State: NV
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:
XXXX XXXX is indicating that I have only made 45 qualifying payments out of the 120 required for the PSLF program. According to my records, I have made 65 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just wanted to make you aware of a recent mortgage payment I made to Wells Fargo ( WF ). I've had my home mortgage at Wells Fargo from the beginning, 11 years now. I've mostly paid more than the mortgage by XXXX or XXXX. WF always applies the extra money to the principal. My mortgage payment is XXXX. The last 5 months, I've been paying a large amount to principal because I want to pay off my mortgage. I paid XXXX for XX/XX/XXXX mortgage. WF put XXXX towards XX/XX/XXXX principal and applied the rest to XX/XX/XXXX & XX/XX/XXXX mortgage payment. I called on XX/XX/XXXX and talked to XXXX at WF. She corrected the issue and said the computer assumed I wanted to make an extra payment with the extra money instead of apply it to XX/XX/XXXXprincipal.

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 2018-11-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.

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 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a XXXX year old female living off a fixed income with a common first and last name. I XXXX my name and found there were 100 more individuals in Michigan with the same first and last name. 

On XX/XX/2021, TransUnion reported there were 3 collection accounts past due lowering my credit score XXXX points. I have been disputing same 3 collection accounts for past 2 years. Each time TransUnion indicate they have investigated and verified information by forwarding dispute to alleged collection agency. I have 8 accounts, all with on time payments. I question the veracity of how TransUnion investigative skills. It is apparent that contacting the alleged collection agency opens the door for fraud. I have provided my correct mailing address, provided copies of my marriage license, drivers license, affidavits, yet the erroneous information reporting from Transunion have continued for more than 2 years. Furthermore, I question how an erroneous collection account can be past due after appearing on my credit report for more than 2 years? I have been a victim of ID theft at least 3 times due to TransUnion reporting.

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 2018-01-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original CFPB complaint number is XXXX requesting NAVY FEDERAL to validate/verify the claim that I owe them the debt of two credit cards according to the FDPA ( Fair Debt Collection Practices Act ). I mailed the first Notice of Dispute on XX/XX/XXXX for one credit card and the other Notice of Dispute on XX/XX/XXXX for another credit card via USPS Registered Mail. NAVY FEDERAL received my first Notice of Dispute on XX/XX/XXXX and the second Notice of Dispute on XX/XX/XXXX. This Notice of Dispute was to have NAVY FEDERAL  to verify under oath that the credit card debt they claim I owe is a valid claim by signing the enclosed affidavit and/or addressing specific points in the notice and/or furnishing information that validates the debt. Although NAVY FEDERAL did respond to the Notices of Dispute ( s ) within ( 30 ) days ( XX/XX/XXXX and XX/XX/XXXX respectively ) they failed to verify and validate the debt. Response letters simply stated, This is a valid debt, and you remain responsible for its repayment with no signed affidavit, no explanation on their conclusion and no actual validation or verification evidence sent to me. Hence, this debt was not verified/validated within ( 30 ) thirty days and should have been removed from all three credit reports but has not. This is a violation of the FCRA ( Fair Credit Reporting Act ). Additionally, NAVY FEDERAL was not consistent in placing a notice of dispute on both accounts under dispute with all three credit bureaus within the required ( 30 ) day period. This is a violation of the FCRA as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2017 I authorized a wire transfer of {$15000.00} to XXXX XXXX XXXX, located in XXXX, HI. The wire instructions I received directed the funds to an account at JP Morgan Chase Bank in XXXX OH XXXX. The money was sent from my account at XXXX XXXX in XXXX CO XXXX. My instructions showed XXXX XXXX , XXXX as the " beneficiary. '' However, JP Morgan Chase Bank deposited the funds in an account for XXXX XXXX and not for XXXX XXXX, XXXX. In fact, XXXX XXXX, XXXX does not have an account with JP Morgan Chase Bank. Nonetheless, JP Morgan Chase Bank accepted the wired funds and deposited them into an account belonging to someone else, and the funds have been withdrawn. Chase Bank should have refused and returned the transfer since the beneficiary company -- XXXX XXXX , XXXX -- and the account number belonging to XXXX XXXX did not match.

Company response to consumer: Closed with explanation