BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
The people that are run the Best Buy credit card refused to send me an item I statement they won't send me one via email and they refused to send me 1 through the know I have tried on 4 separate occasions to no success I have not been using my card but my balance keeps going up. And they refused to send me any documentation

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted XXXX  had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.

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 2019-06-26
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Basically there are charges on my Discover credit card from a fraud case I have made police reports reported it gone through an entire process and they keep rejecting it and claiming that the charges are mine and they keep saying that its not a fraud even though I have not made the charges I have on the card my bank is who made me aware of it I had no idea has not been resolved its been over one year

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my Equifax report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have no knowledge of the following account XXXX XXXX XXXX Opened XX/XX/2017. Please investigate to ensure there is no fraudulent activity.

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 2018-11-15
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Somebody make 3 transactions on my Sams Master card I call the company they take outs the charges and later bill me again the 3 transactions This afect my credit Acount # XXXX Synchrony Bank

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 2019-03-25
Company: MARINER FINANCE, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019, I made future payment arrangements via the online account portal scheduled for XX/XX/2019. On XX/XX/2019, I received a text message inquiring about my payment, to which I responded that I had already made arrangements. On XX/XX/2019, I received an email later that day regarding the same payment. On XX/XX/2019, I received a letter in the mail regarding the same payment. Finally, on XX/XX/2019, I received another email regarding the same payment. I feel as if my rights have been violated, and feel as if I am being harassed by this company for a payment arrangement that has already been made.

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 2018-04-27
Company: Siwell Inc
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I applied for a new cashout refinance mortgage. My new lender and their title company have tried for 14 business days to get my payoff from Capital mortgage Loan Servises of Texas. They have never complied. I contact them on XX/XX/XXXX and requested this payoff myself amnd they denied my request. They have made numerpus excuses and have denied sending my payoff to title and have severly hurt my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/19, I applied at Rocket Mortgage to get pre-qualified for a mortgage. I was conditionally pre-qualified after detailing my financials and other circumstances verbally. 

Once the process began, I gave more and more people the specific details about my circumstannces ... divorce, etc. 

The initial contact said they would work through all of that and that I needeed to be prepared to provide documentation and explanations for my circumstances. 

During the course of this process Rocket Mortgage reps called, one after another, and I made sure each of them knew that I was working in XXXX XXXX, Texas and buying a house in XXXX, Texas. Not one time did the issue of residency distiction come up. 

The only trace of concern was XX/XX/19 they requested a letter from my employer explaining my " re-location ''. I immediately responded reiterating that I was not being relocated and that I stay in my RV when I work in XXXX XXXX. I further explained that I came across the deal on this house and wanted to purchase it as my primary residence given I do not own a home and I own an RV Park XXXX miles away. 

After 41-days of back and forth, me providing all manner of paperwork, today I get a call stating that this will have to be classifed as a secondary home mortgage and I will need 10 % down plus closing costs. My circumstances will not afford that and it is completely unacceptable. 

It did not take them 41-days to determine that I would be commmuting from XXXX XXXX to XXXX and back ... I told them from the very start. 

What's more, their explanation of why this is a secondary residence was inaccuarate. I told them that I will be in that house at least 186 days of the year and that is more that than half of the year. 

104 Weekends 20 Vacation Days 9 Stock Market Holidays 53 Monday 's ( I leave at XXXX XXXX  on Monday 's to go back to XXXX XXXX ) 186 Total Days What is even more aggregious, they did the appraisal before they actually had the signed Sales Contract. They recommended their title company, XXXX, and then a week later called and said they could not work in XXXX County, Texas, where the subject property is located. They said that we need a Survey, and after the Seller paid {$850.00} and it was completed Rocket Mortgage comes up with this disqualification due to the distiction of the home. 

This is qwrong and they need to be accountable to their business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I spent almost 2 hours trying to pay in full my mothers car loan with USAA today XX/XX/19. First I talked to the estate department ( which by the way is useless, I can see their only goal is to collect money which I was trying to do but they would not take it ) then they had me on hold for 30 minutes to transfer me to the loan department. After being on hold for 30 minutes I hung up. Then I called the loan department. They put me on hold for 30 minutes to transfer me to the estate department. When I spoke to the estate department they told me I had to pay off the loan with the debt collector XXXX. This is where I have a real problem with this process. When I spoke to XXXX a few weeks ago they told me I would not get the title for 60 days. The estate department was sure to advise me that there is no coverage on the car unless I am using it for estate business. So USAA is holding me hostage with a car that I will have paid off and that I can not register and get insurance on and therefore can not drive, since I dont have a title. This is not fair and is not right. I had a car loan with USAA and when the loan was done I got my title in 2 weeks. I would think that when someone dies USAA would like to actually be helpful instead of a hinderance and then people would want to do more business with USAA since the process is easy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a late fee and interest charge payments from Capital One in XX/XX/2020 after submitting a payment two days after it was scheduled due to unforeseen circumstances related to the COVID-19 pandemic. I contacted them to explain my situation and they declined to waive the fees and instead directed me to a debt collector ( after I already made my payments ) when I asked for more information and to get reassurance that I would not be charged fees again. I closed my account based on their lack of transparency and poor customer service. I paid the fees, and my next statement in full before it was due. I received another interest charge this month in XXXX. When I contacted the customer service to send me the information in my statement to justify the fees - they said they could not - and when I asked to file a formal complaint - they said there was no way to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: FL
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 have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve

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 2020-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have no knowledge of the following account XXXX   XXXX XXXX Opened XX/XX/2015. Please investigate to ensure there is no fraudulent activity.

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 2019-06-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I met this sneaker XXXX seller on XX/XX/2019. I messaged him for a price on a specific pair of shoes, and he replied with the price of {$300.00}. I told him I would pass but Ill renegotiate the next week. After that one week he messaged me asking if I wanted to buy the shoes, but I denied him again because I just finished paying my college books. Fast forward a couple months and I message him again for another specific pair of shoes. He said he had them in hand and would sell them to me for {$200.00}. I thought it was a good price so I went ahead and asked him how to pay. He told me to pay through XXXX which was a feature on my banks app. I sent him the money and he told me he would ship them the next day and that the shoes would arrive in 3-4 days. A couple days later, I asked for a tracking number, but he never responded. He stopped replying to my messages whenever I would ask him a question. Sadly, I never received the shoes, and he walked away with {$200.00}.

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 2019-06-26
Company: UNITED COMMUNITY BANK
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I made two purchases online. The seller sent fake coins. 

XXXX XXXX XXXX MD XXXX XXXX  XXXX   XXXX MD XXXX I returned both orders back to them 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 2020-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly try to dispute this false collection on my credit report. The company refuses to take this off my report even though I do have a receipt in hand from my apartment complex showing I did pay the specified amount of {$260.00} on Move Out. This should have never been put on my credit report, and having an receipt should be enough to remove the collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: MN
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 was in the process of buying an XXXX for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans show missed payments on my credit report. This is an error because I completed the forbearance paperwork and submitted it with XXXX  on time. XXXX acknowledged their error with the letter attached. I disputed it with XXXX XXXX, Experian and XXXX  and provided the letter that I have uploaded below from XXXX acknowledging their error. Even though they acknowledged that my loans should have reflected that they were in forbearance it still shows on my credit reports that I missed the payments and my credit has been negatively affected. I filed this complaint to all 3 credit bureaus in XX/XX/2019 and provided them with proof ; the letter from XXXX ( attached ). The late payments are still showing up on my credit reports! They have not done their job by removing these late payments from my credit report. The attached letter from XXXX XXXX shows all of my loans, amounts and account status : forbearance. I am now currently making payments on my student loans and am out of forbearance. I have excellent credit otherwise and would like these negative late payments removed from all credit bureaus.

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 2019-06-26
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First of all I would like to say that I enjoy being with your company and the service that you provide. I have been with your company for a while now ; you have always treated me right. In the past, I ran into some personal issues that caused my account to be late multiple times. I accept that fact, and Im not disputing this debt at all. I just need your help as these late payments are hurting my score and preventing me from getting approved for what I want. I have been paying on time for a while now, but my score is still suffering. If possible, can you please forgive the late payments as a one-time courtesy so I can get my financial life back? This would really help me and my family. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Someone using Bank of America Credit Card Services signed up for E-Statements using my Email address instead of theirs. 

I contacted Bank of America by phone and email several times to alert them to the obvious privacy issues. The instead treated me like a criminal and no corrective actions were taken. 

I am still receiving someone else 's E-Statements. There is no unsubscribe link. 

If someone was getting my E-Statements they alerted my bank to this blatant issue, I would hope that my bank would try to correct 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 non-monetary relief