BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a mortgage with XXXX XXXX XXXX  and due to illness & loss of employment income, I have gotten behind in mortgage payments and have applied for a Loan Modification. I submitted the package via fax on XX/XX/XXXX.  After some back & forth with phone calls, Capital One said they needed updated bank statements. These were then sent via fax within a couple days of the request on XX/XX/XXXX. I keep getting " Point of Contact '' calls & I remind them that I have submitted a full Loan Mod package and the documents they have requested. They then check their computer and agree that the docs were received and they would again send a message to the underwriter. The left hand does n't seem to know what the right hand is doing. <P/>I keep reminding them that there is still an active sale date listed by their Trustee and they keep saying, " oh, we know and we 're taking care of it ''. But when I check it still shows as active on XX/XX/XXXX which is definitely Dual Tracking. How can we be negotiating " in good faith '' if they still have an open sale date? <P/>I appreciate your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I received a XXXX to switch XXXX XXXX on XX/XX/19. After carefully discussing with the surgeon what I wanted and getting his OK. We set that date. As soon as I wake up I noticed something was wrong, I called the surgeon and he explained a smaller size had to be put in and not to worry. Three days later when I went to the post op I explained I was not happy as I did not want that size and I specifically said what I wanted and he didnt say no. The office basically said I need to pay {$1000.00} more to get the size I want and that its basically my fault. When I opened the dispute with my bank I explained all of this letting them know what I wanted and showing proof of what I received. I sent a letter from a different doctor stating the size I wanted was perfectly fine for my body and I posed no risk. I also sent a quote from the new doctor. I never signe anything agreeing to the size I currently have so I dont understand how the bank is telling me I can not get my money back and that the doctor is right!! I am baffled it seems to me like this doctor knew I was not gon na be happy and thought I was gon na pay more! It cost me {$4800.00} of my hard earned money and now I am dissatisfied with goods I didnt want bad service and no money!! The bank I have is CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Refusing to provide original signed contact proofing account belongs to me. Provide proof of verification of this account. On top of obscenity threats to own and pay debt that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased from XXXX XXXX by Rushmore Loan Management. Rushmore has seemed sleazy from the get-go. As a result, I send all my mortgage payments " 2 day mail '' in case Rushmore lies about when they receive my payment and charge me late fees. Well, sure enough, they have charged me late fees when they have received the payment on time. I have documentation from Rushmore that they assessed late fees on XX/XX/2018, when they had already received my payment ( they received my mortgage payment at XXXX XXXX on the XX/XX/XXXX ). Rushmore was only to assess late fees on payments received after the XXXX of the month. Even though they had my payment on the XXXX ( they admitted to it ) they assessed a late fee of {$100.00} I have never paid late!!! Rushmore has assessed me a total of {$540.00} in late fees even though they have always been paid on time. I continue to faithfully pay my mortgage on time ( for 20 years ). Never late! But Rushmore has assessed late fees on payments they receive on time. Now, Rushmore has put my loan in default for not paying their bogus late fees ( All payment have been made ... and made on time ). I have no doubt that Rushmore has planned this all along. I see that your bureau has received 1,251,852 complaints about Rushmore. I have tried repeatedly to have Rushmore take care of this, but they won't fix it. I need your help! They need to be shut down, fined, etc.!! Thank you

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 2018-08-30
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I returned a call from the Stark Collection Agency. 

They asked for my birth date. 

I refuse to give either my Social Security number or Birth Date or  other personal information to an unknown agency. 

They would not provide information so that I could be sure the debt was mine. 

To my knowledge I have no outstanding or overdue debt and they would not provide information that would allow me to verify the debt. 

I asked that they not call my number if they can not provide me information that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX - XXXX XXXX location in XXXX, WA signed me up for a credit card I never agreed to. As every time a credit card application is submitted, a hard pull against my credit is likely to be shown within the next couple cycles in my credit score. They are committing fraud, and identity theft against the federal consumer compliance violation laws. I called the store manager multiple times but they never returned my phone call. Plus, it was my rental dwelling unit that I was getting appliances delivered to from the store & whoever signed me up thought I actually live at that address and sent the card there. They committed fraud with the wrong information. How ridiculous

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 2019-07-01
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:
XXXX and Experian are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from 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 2019-10-08
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
opened an account on XXXX XXXX with XXXX XXXX the clothing store and made a purchase. I bought two items and the total amount was {$55.00}. 
I bank online and I made sure the payment was delivered on time and for the right amount. The records on my bank confirmed that the payment was delivered on time and for the full amount of {$55.00} on XX/XX/XXXX. I paid for what I purchase and I paid it on TIME. 
Later, I received a late payment statement saying that my payment was late. I called XXXX to asked about the mistake and they were not helpful at all. The only suggestion was to pay the late fee and investigate later. I paid the late fee on XX/XX/XXXX. They kept sending late statements. I sent a letter to XXXX with copies of the checks from the bank and I didn't get a response. Also, I sent a letter to XXXX XXXX with copies of the checks too. 
Now, XX/XX/XXXX I received a letter from McCarthy, Burgess & Wolff stating they are attempting to collect {$300.00} McCarthy , Burgess & Wolff called early XXXX and I also explained the above statements, they do not care. They want to collect the money. 
The worst part is that my credit score is going to come down and I paid my bills on time, I paid what I owe. I am responsible, honest and dependable person. 
And this infuriating, fraudulent business. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Good Afternoon, TransUnion has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XX/XX/XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXX/XX/XXXX XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021

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 2019-07-01
Company: AA Recovery Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, I received a phone call on my cell from XXXX at AA Recovery ( XXXX ) who advised that he wanted to see what was going on with the payment. XXXX advised that the payment dated XX/XX/XXXX came back invalid card. When I started to ask questions, XXXX changed it to the payment dated XX/XX/XXXX coming back as an invalid card. Once XXXX realized that I was onto his scam, he hung up. He then called my work phone, asking to speak to Human Resources. I  advised him that what he was doing was illegal because it was harassing. XXXX advised he would keep calling numbers until he got to Human Resources. 

I did attempt to make a payment on the XX/XX/XXXX in which my bank informed me that the company that was processing the payment, XXXX XXXX XXXX, was a scam company and, because they did take payment on the XX/XX/XXXX, they were sending me a new debit card. I then received a call from a woman on XX/XX/XXXX from a woman and a man who tried to get me to give them my credit card information. Once both of them realized that I was not going to give them anything, they hung up on me. 

I have looked up the company ( they operate as AA Recovery ) and XXXX XXXX XXXX and both companies come up as scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received any information to validate said debt by mail or by phone and i have never heard of this company or had i owed them anything, I have no knowledge of balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2019-10-08
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I'm a victim of the XXXX wire transfer scam. The amount I lost through US Bank was XXXX Euro.. Dates of the transfer : XX/XX/2019, amount : XXXX Euro XX/XX/2019, amount : XXXX Euro and XX/XX/2019, amount : XXXX Euro US Bank did the wire transfer without checking the credibility of the other bank which locate in XXXX, XXXX. 

When I found out the transfer was a scam, I recalled my wire and US Bank manager said I can't recall the wire because it's been wired. 

I went to US Bank directly to file this case and yet have no response from US Bank? 

Sincerely, 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 2018-08-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have ever only obtained a check cash card for Walmart in XX/XX/XXXX. Now in XX/XX/XXXX I tried to apply for a credit card and was denied. However, via mail from XXXXXXXX XXXX   Creditor and they also list XXXX in letter, they claim SERIOUS DELINQUENCY, NUMBEROUS ACCOUNTS WITH DELINQUENCY, LACK OF RECENT BANK REVOLVE INFO. I Knew this was FRAUD and immediate called XXXX who stated they never even received the INQUIRY! I then reported to FTC and Consumer Finance to have this EXTREME FRAUD and LAUNDERING Under MY NAME Investigated. They explained I should submit a complaint online or in writing as well. I would have no problem with proving these accounts were never mine! Cell # XXXX Thank you, 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 2019-04-03
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied, and was approved for a credit card through XXXX XXXX XXXX. After approval, I recieved a letter indicating I had to send in a ton of documents to an investigator ( XXXX XXXX ). More documents than were required for a mortgage application! The letter gave some XXXX XXXX excuse about inability to verify application information, though no other credit card company or mortgage company has had this issue. Clearly the company was too lazy to actually verify any information. 

In any case, instead of providing forms to fill out online or submit online, I have to fax them. It's XX/XX/2019, you are a multi-billion dollar bank, learn to use secure e-mail instead of being lazy. I am uploading all the material I was asked to send in to this complaint. Shame on XXXX for having such poor services.

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 2021-05-10
Company: CITIBANK, N.A.
State: NV
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:
I have already tried getting help here but I am trying again because it is unfair what is happening to me. My ex boyfriend added himself onto my cards and then used them to charge on. I DID NOT EVER ADD HIM ON. When I discovered he was on them I asked Citi bank to remove him and they failed to do so. however, I never added him on in the first place yet they are still holding me responsible for the charges he made. I never ever authorized him to be on any of my accounts! How can I be help responsible? Its completely unfair and fraud! I even made a police report and they dont care!

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 2018-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX/XXXX/2018 I made a payment to my Capital One credit card for the balance in full, I did so by selecting the " current balance '' option. There was a total of four different options ( other amount, last statement balance, current balance, and minimum payment. ) After paying my " current balance '' I was charged interest, even though my balance should be at XXXX. When calling Capital One to get this issue resolved they were unwilling to reverse the interest charge. I am currently waiting to speak with a supervisor, and have been for the last 26 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: DISCOVER BANK
State: VA
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:
I went through the dispute process to dispute two transactions from XXXX and I did not receive the service I paid for. For XXXX and XXXX. I was not satisfied with this service because it was not as advertised as there were no people to get matches with on the site. XXXX just sent in a copy of terms, which was not initially provided, and Discover has refused to help me in reversing this charge. This service is not what I paid for and Discover is refusing to work with me even though I have been a customer for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: John C. Heath, Attorney at Law, PLLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was receiving harassing phone calls from the Lexington Law Firm. They were calling 3 or more times a day after I had suspended my account because they were not doing what they said they would do. The calls stopped for a while when I complained, but have now started back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Barclays is a disaster. I applied for the XXXX Business Card. My credit was approved. I was personally verified. Then it went to business review for final approval. This department is a disaster and I believe that they are putting personal information at risk through a complete lack of care and mismanagement. First, they told me 5 - 7 business days for processing time. Then I was told there were too many applications and it would take longer. I followed up today and a gentleman took more information from me - supposedly to expedite the processing of my application - and told me it would be completed shortly as the application was already open. Then I called back to get clarification if I'd receive a letter or a call for additional information. The man told me it would be ANOTHER 5-7 BUSINESS DAYS EVEN THOUGH I HAD ALREADY WAITED THE PROLONGED WAIT TIME AND WAS TOLD EARLIER IN THE DAY IT SHOULD BE DONE SOON. He refused to let me speak to a manager to understand why my information was being mismanaged and the first man could access my application but the second couldn't. He also couldn't tell me what happened to the information I provided the first man. I'm scared that this is little more than an identity theft right within Barclays taking people 's personal information bit by bit instead of properly processing applications. They say they are processed in the order they come in. Then why was mine started and not completed today - presumably with others being worked on between? Barclays needs to 1 ) process applications in a timely manner which they absolutely do not 2 ) provide accurate updates on applications 3 ) install safeguards for information because it seems to disappear into space. Their practices are terrifying.

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