BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a savings account with Capital One on XX/XX/20. Terms and conditions do not disclose that ability to wire funds out of account will be limited, not does the operative " Wire Transfer Disclosure. '' The closest the latter comes is stating : " We reserve the right to reject any Wire Transfer Request. We may restrict the use of wire transfers for new accounts and newly added joint account holders. '' I tried to wire funds on XX/XX/20 for the purchase of a home. Capital One 360 did not permit a wire transfer. Representatives of the bank informed me on two separate phone calls on XX/XX/20 that the bank has a blanket prohibition on wire transfers in the first 60 days after an account is opened and that no exceptions will be made from this policy. 
If this is in fact their policy, this must be disclosed to consumers at the time an account is opened. I will now be in breach of the purchase agreement of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Community Health Investment Company, LLC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from a debt collector ( Professional Account Services , Inc. ) for {$200.00} for a visit to XXXX XXXX. The visit was for a XXXX XXXX. XXXX XXXX refused to do the test and my employer was going to pay the bill because it was XXXX related. The bill was not paid by my employer and I realized this was turned over to collections when it showed up on my credit report and my score dropped. I called to speak to the collection agency and asked for the manager and explained the situation asking them to retract the reporting to the credit bureau. I paid the debt in full and he claimed he could not do that. I explained this was a mistake and I do not want this on my credit report for 7 years to please retract this. He refused to do it. I am a single mother and work very hard to keep my finances in order. Please work with me to get this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Bell Financial Services
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Five months ago we got a payday loan from Belles Finance located in XXXX oklahoma. It was a emergency our tire blew we needed a new tire. We got XXXX We had a installment plan to pay back. 
We did good until my wife list her job du to the new virus. A pon making monthly payments we agreed to pay XXXX A month. They called three to foyr times A day. I'm a XXXX retired veteran I have explained to XXXX that we can send XXXX but that's the most we can do. 
Well my wife got a money order made out to them XXXX two months with a letter asking them to accept it, tjey did but do not come to our house asking for money as they did four times. 
Giving my babysitter a letter to me when she was outside the lady from belles finance pulled up asked her " XXXX XXXX live here " she didn't know how to answer the lady said here give him this letter. It was asking for a payment. 
Then two days later sent another person to the house asking for money on top of calling over and over again. 
My wife told them in a letter and face to face do not come to my property you are not allowed. If you continue to harass or call demanding money then this loan would be paid in full. They are very rude and have no problem seeing you in the gas station asking you for money as well. Giving put personal information about the debt u owe them. 
I have paid but seems as if more more more interest is added as well. 
I am done. They have harassed my family, kept coming to my house after being asked not to several times. so I will be sending a certified restricted letter to them in XXXX, proof of sent asking them to case and dismiss. For the inconvenience and harassment caused my stress level to rise. I'm a 22 year vet served war four times. I have XXXX I'm XXXX XXXX. I suffer from XXXX XXXX XXXX XXXX   XXXX, I have a XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
We have tried to reason with them. please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.

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 2020-10-10
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
I obtained a credit card with Macys ( card issued with Department Stores National Bank ) since 2003. I have used the card and paid it back throughout the 17 years. During this time, I noticed they have never reported the credit card on any of the 3 credit bureaus. I have contacted several times throughout these years. Each time they ask me to send a letter with my name, account number, full social, explaining the issue. I follow their steps and they dont resolve the issue. I did receive a letter 1 of those times saying it was resolved. Two weeks ago I checked and the card was not reporting. I contacted all 3 credit bureaus, and they confirmed it has never reported. I contacted macys again and once again they asked me to send them the letter with the same information. I did, and now they are giving me issues and do not resolve the problem. After 17 years, and several attempts from me to get this resolved, it still has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Unauthorized Quickpay transaction of XXXX on Chase account made Wednesday XX/XX/XXXX through cosigner 's account. I filed a fraud report on XX/XX/XXXX. 

Unauthorized transaction happened on cosigner 's side, Chase closed case and mailed a notification on update. Called to open the case again on XXXX XXXX. Was told by Chase that they have a policy that anyone under cosigner can file a report on behalf of that account. Was told case is opened again. 

XXXX XXXX. No updates on report. Called Chase and was told that the case was closed yet again because cosigner needs to be the one to report it. However, no information was received this time around in regards as to what happened with the report. 

Terrible communication with Chase and been told different answers. Not helpful at all in regards to the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: DC
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 already reached out to Experian and to XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist 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 explanation
Consumer complaint received 2021-04-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm trying to redispute items on my credit report but Experian isn't allowing me to. As long as incorrect information is on my credit report I will continue to dispute them. I believe they are in violation of my rights. I can and will continue to dispute.

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 2018-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE ; XX/XX/XXXX - 30 DAYS LATE ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2018-02-08
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I received a notice of a loan available to me from Mariner Finance in XX/XX/XXXX. I went to the bank branch in person ( about 1 hour away from my home ) to take out a personal loan in the amount of {$1500.00}. I received less than this because about {$400.00} of that was the cost of taking out the loan. I made my first payment online in XX/XX/XXXX and signed up for automatic payments through my bank. I never received a statement from these people. In XX/XX/XXXX I get a phone call from Mariner Finance telling me I missed my payments. I explained to them that I was signed up for automatic payments but they said there must have been a problem because even though she could see that I had signed up for the automatic payments, it didn't go through. At that moment I paid two months over the phone with the representative and signed up again for automatic payments with the representative verifying the bank information. Again this company never sent ANY statements and I assumed everything was fine since I could see from my bank statements that they were taking the money from my account. On XX/XX/XXXX, I get another call from Mariner Finance. The representative again claims I am late. I ask her how that is possible if I am with automatic payments. She says she does not know how I got kicked out of automatic payments but now I could only make cash payments ( at the branch 1 hour away )! I tried to make an online payment but the system said no online payments allowed. I told the representative to send me a statement and all I get is a printed out list of payments. The list reveals that the first payment I made was reversed by them and again in XX/XX/XXXX. This company refuses to allow me to pay. They seem to want to make it impossible to pay their debt. It all seems VERY shady to me. I can not drive 1 hour every month to pay this bill. I honestly think this company has serious irregularities that should be looked into.

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 2017-12-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo harasses me via at work and at home multiple times a day, they have been told to stop calling, I make my mortgage payment every month, some times a few days late, but the relentless harassment is too much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I sent the following information request in XX/XX/XXXXof this year via certified mail and have received no response from JP Morgan Chase. I included her detailed information as well as my own in the original letter : My mother, XXXX XXXX passed away, due to a sudden illness in XX/XX/2017. I am the executor of the estate and would like to close out her checking account. The last entry in her ledger was in the amount of {$23.00} on XX/XX/17. I believe I have enclosed the necessary documentation for the estate. The account number is unavailable, she did all of her billing through an old computer that used XXXX. Please let me know if you require any additional information. Please forward a check for the balance to the address detailed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2017 I purchased {$700.00} worth of Bitcoin from Coinbase, over a couple days I canceled my account and requested a refund which I have not received as yet. After a couple days I called the Coinbase phone line It was answered and I was told that they needs to access my account to make put my money back so I opened my account but no money was deposited. That same day my account was hacked and {$1000.00} was taken from my account by Coinbase. I made an alarm and my {$1000.00} was refunded. I made some changes to my account after that so as to prevent anymore unauthorized transaction. The outstanding balance of {$570.00} was not refunded to me. As you will see from emails sent back and forth they are clearly trying to rip me off. Many phone calls and email later still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
never received papers that i was being sued never received summons never knew was sued by XXXX XXXX XXXX says summons was delevered to wife XXXX XXXX was not living with XXXX XXXX at that time was not living at address where delevered all papers were returned that mailed never delevered XXXX XXXX  got a Judgement against me and Garnished my bank account for everything I had in I cant pay rent or buy food for my family did not know about this at all the Judgement was from 2010 never knew I was being sued by XXXX XXXX XXXX I dont even know who XXXX XXXX XXXX is Never knew there was a Judgement against me Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXXXXXX

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 2021-08-18
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have an account that is not mine. I want the inquiries I did not authorize removed. I have an account that do not belong to me that says charge off. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to PHH Mortgage effective XX/XX/XXXX. The taxes and home owners insurance were due in XXXX of 2021 and were not paid from our escrow account. In XXXX of 2021 I received notification of delinquent taxes and that my insurance had not been paid. I contacted PHH Customer Service on XX/XX/XXXX to inform them of the issues. PHH mortgage gave me a fax number to send the notices to and I faxed them the following week. In XXXX I received additional notices that the taxes and insurance payments were still delinquent and that my insurance would be cancelled at the beginning of XXXX. I called PHH Customer Service again, they said that the taxes would be paid but they needed me to send the insurance binder. I sent the insurance binder to PHH on XX/XX/XXXX. As of XX/XX/XXXX the insurance was still not paid so we paid it to avoid cancellation. The city sent us a third delinquent notice on our taxes so we are about to pay that as well. PHH has demonstrated an inability to manage the routine administrative aspects of keeping our mortgage and our property in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
After my last communication with radius / XXXX, or whatever name they are using at this time, they called the XXXX police and said I had threatened them through CFPB and that is not true. I said their tactics might kill me, and that may be true if they take my XXXX  income and pension income, as I could not support myself without it. What are they trying to prove? I know they are massively powerful already. I suppose I am lucky that I was not arrested. What comes next? How will they threaten me next? I am terrified now. This debt was from my late husband, who took other credit card debt, of his, and dumped it on this card without my knowledge or consent. He ran up debt on my XXXX card buying expensive clothes, and then dumped that debt on this card, I told this to XXXX in numerous letters to them and their collectors over a 3 year period. He killed himself in XX/XX/2015, and his problems are over. What more do they want? He stole my life savings of over 300K. I do not think it is appropriate to call the police to my door because I owe them money.

Company response to consumer: Closed with non-monetary relief