BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This company sent our funds from our home sale to a scam email. They did not contact us in anyway to confirm a bogus email that they received instructing them to send the funds to a random bank account. The escrow company sent our funds to the scam bank account and so far the scammers have been arrested and the bank still has not come through with payment to us. its been 2 1/2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
usps is posting and reselling consumers information wo consent. creditors and marketers steal such info and use it to abuse the consumer repeatedly. debts under fcra guideline for removal are harassing customer after being removed from credit files. this is extortion. same creditors are attempting to further abuse and repost debt collections activity which is illegal. 

this is allowing companies like capital one to harass and extort consumers because they refuse to sell the debt, negotiate the debt or remove fraudulent debt. this is detrimental to the consumer in ways you cant fathom. 

ALL RESPONSES MUST BE IN WRITING. NO VERBAL PHONE TAG.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: ORG GC GP Buyer, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
GC Services, out of Texas, is calling from a spoofed local number,XXXX. They are looking for someone else, and I have had my number for 18 years. They called the other day and I told them I didn't know who the person was and to stop calling. The man said they would stop calling me. They just called again leaving a message to call a certain XXXX number. I don't overdue bills and am not in collection and don't appreciate them random calling to try to find someone. They need to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX is blocking third party apps from accessing financial information. Specifically the service 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 2018-02-16
Company: Coinbase, Inc.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had initially purchased {$200.00} on coinbase on Date XX/XX/XXXX. I again purchased another {$50.00} on coinbase on XX/XX/XXXX. On XX/XX/XXXX I was charged these exact same charges again from my checking account. These charges even had the initial charge data of XX/XX/XXXX and XX/XX/XXXX in the description of charge. I have tried to contact coinbase but 2 days later still have no had the charges refunded. I attempted to call but was no helped over the phone and was told to send support email in. I did that aswell but was given a generic response with no extra information. My case number is # XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: U.S. BANCORP
State: VA
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:
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Requiring y'all to look into my new case with more helpful information for the old case XXXX   Case # XXXX and : CFPB Case # XXXX new case number is 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 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Quicksilver Capital One card has been suspended due to an address change that I submitted. They asked me to submit my social security card, proof of address, and license. I do not have my social security card and I sent them tax documents and the other requested items. I was told that was not sufficient, they needed the signed social security card to unlock my account. I am not going to send them the signed social security card. I have told them it was me who made the change and even provided evidence of the new address that matches the update in the system that is causing this problem. They pretty much told me too bad- and they wont even let me cash in my rewards points to bring my balance down. I rightfully earned those points and want to use them to lower my balance so I can then pay off the card and never deal with Capital One again. They should not be able to hold those funds that I earned - I have verified myself on the phone through multiple questions, provided documentation, and Capital One will not let me redeem them. I am not asking for cash - I am simply asking to use the rewards I earned to pay my balance down. This is unfair and they should not be able to hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
While trying to fix the problem with my account and card with no help and no way of contacting them, there parent company claims no responsibility. After going down to social security and having them not able to help I found out that this is standard practice for Direct Express to lock people out of there accounts, I think it's time to start holding the parent company responsible because you have no recourse against a faceless company with just a phone number that they can just disconnected. There parent company has to be held to account COMERICA BANK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020, I logged into the TransUnion credit website to request a free annual copy of my credit report. I went through the site 's information gathering process to collect my name, address and particulars in order to request my report. I was surprised that they asked for my credit card, as I was expecting to get a free annual credit report. At no point, did the TransUnion website make it clear that I would be billed, and no fee or billing agreement was provided to me. I did get the TransUnion credit report, but I was billed {$24.00} without my consent or understanding. This report should have been free, as I've not requested a credit report for over three years and I requested only a single agency report. I believe that TransUnion intentionally hid the fact that I would be billed. I believe this is a deceptive practice and TransUnion should be explicit about the fact that they are going to bill your credit card and the amount they are billing. The website should explicitly state that you are purchasing a credit report and you should explicitly agree to an amount to be billed to your credit card.

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

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 explanation
Consumer complaint received 2017-08-04
Company: North State Acceptance, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Rushmore Service Center, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call multiple times a day ... but each instance ranges from 5 to 10 calls back to back to back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 IS A FOLLOW UP ON CLOSED CASE # XXXX I AM OUTRAGED AND DEMANDING A REINVESTIGATION. XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law. XXXX is knowingly reporting false information to Transunion. This inquiry is NOT MINE, nor was it authorized by me, and XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws, Violation of the Fair Credit Reporting Act and Defamation of Character. I am disputing this inquiry, through both the CFPB and the NJ Attorney Generals Office. I've asked for verification, they failed to supply verification. This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. what XXXX submitted do not constitute verification under the federal law or FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I FILED A CFPB REPORT ABOUT 2 MONTHS AGO IN REGARDS TO AN ALLEGED DEBT THAT IS REPORTING ON MY COSUMER REPORTS. I SENT THE COMPANY A CEASE & DESIST AND ALSO REQUESTED A DEBT VALIDATION. ITS BEEN 2 MONTHS AND I HAVE NOT RECEIVED A DEBT VALIDATION THE ONLY THING THE COMPANY SENT ME WAS DECEPTIVE FORMS IN A FORM OIF STATEMENTS MADE TO MAKE ME BELIEVE AS THE ORIGINAL CREDITOR THAT I ACTUALLY OWE A DEBT. BILL STATEMENTS IS NOT A FORM OF VALIDATION UNDER TEH FDCPA LAWS. VERIFICATION AND VALIDATION ARE TWO DIFFERENT THINGS, I HAVE SEEN SEVERAL VIOLATIONS SUCH AS THE COMPANY PRINTING THEIR LOGO ON THE LETTER WHICH IS A VIOLATION UNDER THE FDCPA. IF THIS ISSUE DOESNT GET RESOLVED WITHIN 14 DAYS I WILL BE SENDING THE COMPANY AN INVOIVCE FOR ALL THE VIOLATIONS I FOUND AND I WILL ALSO BE SUING FOR DAMAGES AND THE EMOTIONAL STRESS THIS ISSUE HAS CAUSED ME, WE CAN DO THIS THE EASY WAY OR THE HARD WAY REGARDLESS THE LAW IS ON MY SIDE AS THE ORIGINAL CREDIOR ONLY I CAN VALIDATE A DEBT PURSUANT TO 15YSC 1692G AND I DONT VALIDATE THIS ALLEDGED DEBT,

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 2017-08-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have disputed this account with Experian and received response the account was verified. Experian has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, 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 2017-08-02
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I tried for a few years to lower my student loans.i was in a work accident a year and half ago, I tried getting my payments lowered but I did not have any taxable income because I was getting workers compensation.so I had to do another forbearance..And now I am trying to do a hardship, and I mailed them application and my tax information because I do n't have a computer to print out pay stubs..i tried many attempts in the past to lower my payments with no luck..i complaint to department of education and they wo n't help me.. Since I could not afford the payments and no body will help me then I ca n't pay them..Navient is a scam and dept. Of education does not care.. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filled out a lost mitigation application numerous times since XXXX of 2021 when I was ready to re start payments on my home after forbearance period. Every time I send in information Im told Im missing something or my information is outdated. I call weekly to find out information or what is needed and always get a different answer. Finally I receive a letter via mail that my application is complete allow 30 to 45 days for approval. When I called back my house was in foreclosure so yo missing paper work but I have a letter stating my application was complete confusing and frustrating none the least. I have spoke. With supervisors multiple times but nobody has been able to process my application correctly. Just need assistance so I can continue paying my mortgage and not lose my home. Please

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 2018-07-06
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: Account status incorrect

Complaint:
XXXX XXXX XXXX, account noXXXX is inaccurately reporting on my Equifax credit report.I have disputed this account with Equifax about 10 times.I would like EQUIFAX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and EQUIFAX SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays 31-60 days when the account was paid and closed over 3.5 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
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: Public record information inaccurate

Complaint:
Equifax, XXXX and XXXX are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX placed an inquiry on my credit report DATE OF INQUIRYXXXX 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 2021-07-05
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX military, I was XXXX overseas on military orders. I completed my XXXX and provided orders in order to terminate contract and avoid debt. An early termination fee was applied to outstanding bill ( bill that generated after I provided proof of orders for termination ). This debt is originated in XXXX, the Statute of Limitations in XXXX is 3 years for this type of debt. I received confirmation of installment cancellation through the originating creditor in XXXX of XXXX. I later received notification of debt collection on my Credit Report in XXXX of XXXX. This debt is no longer pursuable in accordance with the original creditors laws and their XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I requested Synchrony/walmart to validate debt ( acct # XXXX XXXX XXXX ) with my signature and on XX/XX/XXXX below is the letter.

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 2022-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX  XXXX XX/XX/2022, XXXX XXXX ( 2 days ago ) to XXXX, XXXX, XXXX, bcc : me Why is this message in spam? It is similar to messages that were identified as spam in the past. 
Report not spam Dear CUSTOMER, This is an Aut0-Renewal email alert from the XXXX XXXX plan XXXX As per your auto-debit instructions your subscription for the XXXX XXXX plan has been successfully renewed & updated for 2 years and USD XXXX has been successfully deducted from your bank account. 

We have tried to contact you on your registered number but we could not get through your service is not cancelled yet. 

SUBSCRIPTION - SUMMARY Order Id : XXXX XXXX XXXX XXXX  Date : XX/XX/2022 Method : Online delivery Product : XXXX If you want to cancel this order then please contact with our XXXX billing team. 

Call us on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation