BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was wrongly-imprisoned by the State of Nebraska in XXXX and so I could no longer pay my credit card bills so my credit went downhill. When I was released in XXXX, I got a secure credit card from Capital One ( it was a few months into XXXX at that point ). They never asked if they had I certainly would have told them as I tell everyone about that atrocity of justice. I had that card for over a year and I continually got feedback from them that my credit repair was doing very well. In XX/XX/XXXX they offered me a $ XXXX car loan and in early XXXX they sent my secured credit card deposit back and also offered me a $ XXXX credit card. Again saying that I was a great customer and my credit repair was going very well. In XXXX they cancelled both my cards without a word. I was scheduled to go on vacation the next day so I was frantically calling to find out why this happened and finally got someone to say it was because they discovered I had this item on my record from XXXX and there was no appeal and no further communication about it. 

My complaint is not about their XXXX  behavior. It is that they have stolen money from me in the process of closing my accounts. I had a {$60.00} credit balance on one card ( XXXX XXXX because I got a cash-back check from them after I had paid my prior month balance and their should be a {$39.00} credit balance on the other card ( XXXX XXXX because I was in the process of getting a rebate from a magazine auto-bill that I cancelled. It's been close to two months and they have not sent me that money, which is mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: GA
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 routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. XXXX has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to ave my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.

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 2022-03-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When Suntrust merged with Truist, I expected a new debit card. In mid XX/XX/2022, I received a call from Truist asking me to contact the support team about a potentially fraudulent charge on my debit card. I confirmed the charge wasn't mine. Of course, my current debit card was then frozen. It took two trips to the local branch and spending multiple hours to obtain a temporary card. Meanwhile, my new permanent card has never arrived. I was told it was mailed XX/XX/XXXX. It is now XX/XX/XXXX. On XX/XX/2022, I receive a post card from Truist stating my PIN had been changed and it reported the new number. The card stated that if I did not request the new PIN to contact Truist at XXXX Whenever I call, I am placed on hold for hours at a time. I can not call them and do my work also. I can find no place to contact Truist to request a new debit card be sent to me. I can't take time during the day to go to my local branch due to my job responsibilities. All I want is my new debit card and to confirm that I never requested this new PIN and to make sure the PIN given is not associated with my account in any way.

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 2021-10-24
Company: BARCLAYS BANK DELAWARE
State: WA
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:
To whom it may concern. 

On XX/XX/XXXX, my card was compromised because I mistakenly responded to a phishing issue while apartment shopping. To make a long story short, I paid {$590.00} to an imposter of the apartment I was shopping, by mistake. I quickly noticed my mistake, and called Barclaycard to address it within two hours of the transaction. One of the associates assured me the charge did not push through, and, to his credit, promptly changed my card number, and I assumed it was the end of this matter. However, I later noticed the charge posted, and called to check again, and was told the charge did in fact go through. I am very disappointed that Barclay had not stopped the charge at the first opportunity when I had quickly reported the problem. 

After three weeks of checking on the status and getting nowhere, on XXXX XXXX, I called Barclays and was told the disputes team could not do anything about this, and they transferred me to the fraud team. The fraud team said they had no record of this charge posting, and I was once again told the charge was still pending. This was very surprising to me as it had reflected on my statement for weeks. I was then told the charge would be canceled immediately and I would see an update within 24 hours. I checked, and saw no change within the 24 hours. 

As I had promptly reported this before the charge had been posted ( as claimed by the first associate ), I expect to be reimbursed for this as this is clearly a mistake of the first associate I spoke to. Thank you for addressing this. Also, if you can track whom responded to my concern, some training issues seem to be in order. I want to mention that I have spent 3 hours over the course of more than five phone calls trying to address this matter. I am unsure about the staffing issues at Barclay, but each phone call required multiple departments and sometimes the waiting time for transferring has been over 30+ minutes. 

I have attached my phone record to document I contacted Barclays the same day of the transaction as well as numerous follow-ups. 

I want to also mention that it has become very difficult to get a hold of the correct department at Barclays in recent months. A few months ago while traveling, I needed to replace a non-working card, and could not get the right department to mail the card to a temporary address. I ended up going the rest of my travels without the card and replaced it back home. It's one thing to have good security, but I got conflicting information from multiple different departments and spent a lot of time navigating such when I could have been told upfront that the card could not be replaced for security reasons.

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 2021-05-10
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, a collection agency called Amsher Collection Services reported to the credit bureaus that I owe {$990.00} for XXXX XXXX. I have never been a customer for XXXX. We've had XXXX XXXX for decades continuously and would have no reason to add a XXXX network. 

I disputed the item through the credit bureau processes, but the response came back as the debt being confirmed. I then contacted Amsher directly on XX/XX/2021 by both phone and email. They later sent an email acknowledging receipt of my inquiry but to date, I have not heard anything. I also contacted headquarters of XXXX  in Colorado, who were able to confirm immediately that I was NOT and NEVER, have been a customer for XXXX 

I have worked extremely hard to clean up my credit and raise my score as bad credit was having all kinds of negative ramifications in my life, but Amsher has destroyed my efforts with no resolution in sight, and it is hampering my efforts to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We went through HAMP with XXXX XXXX XXXX in 2010. PMI premiums were instated on our mortgage that is approximately 58 % of our home mortage price and value. I have tried repeatedly to find out why we are being charged such an exhorbinate amount of money monthly for an insurance premium. We have been paying this for the past 10 years to the tune of XXXX. It is a tremendous burden to make this gouging payment. I believe that XXXX XXXX XXXX made an error when the modification was processed and instead of listing the private mortgage insurance premium annually for {$630.00} they inserted the premium to be paid monthly at {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: IL
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:
I am writing in regard to a fraud situation that happened on my Chase XXXX Bank Credit Card that happened while I was traveling overseas. My Chase credit card ( along with my XXXX XXXX XXXX was stolen from my possession while I was in XXXX XXXX between the XXXX and XXXX of XX/XX/2021 and both were used fraudulently. This was in addition to other belongings including ID, phone etc being stolen in the same incident. When I became aware of the situation, I immediately reported the incident to Chase. I subsequently filed a police complaint online and reported the incident to a local police station in XXXX XXXX XXXX of XXXX XXXX. 

I went on and provided details of the police complaint along with details of XXXX XXXX own investigation which found me not liable for fraud under the same incident after they conducted their own investigation. These were emailed to the Chase fraud department as evidence. 

I believe Chase did a very poor job of conducting the investigation and reached a decision that I was liable for those charges wrongly suggesting that these charges were made by me. They went as far as to close my account as well. Unfortunately the only explanation that Chase investigator gave to me was that because something like this happened in the past therefore I must be liable for these charges and essentially finished the conversation with me very abruptly. I subsequently called up the Chase fraud department on XX/XX/XXXX to initially open an appeal but when I started to press the representative to provide me a specific reason as to why the investigation was closed, they said that they need more information. When I asked them what information they needed from me to reopen this case, they informed me that they dont know but perhaps I should reach out to the vendors in question and try and work something out with them. I informed them clearly that I feel extremely uncomfortable reaching out to random vendors in XXXX who I dont know anything about nor do I physically feel comfortable going to their offices or shops. I felt extremely jaded by this specific request. 

To date Chase has not been able to specifically provide me a reason for the case closure that actually specifically ties into the fraud case in question. I am not liable for these fraud charges under the XXXX XXXX XXXX XXXX and will not pay Chase for the amount of the fraud charges. I am reporting this to the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX the XXXX I have transferred an amount of XXXX XXXX via wire transfer. 
As stated on The company web site ( coinbase.com ) the wire transfer should take 1-2 days to be shown on the wallet.
I have sent several emails and made many phone calls to customer service. I was told that my case has been escalated and it should take 48-72 to hear back. but nothing happened. 

on my last call with customer service they refused to give me a time frame to solve my issue. 

Yesterday I received an email from Coinbase saying that they are sad to received a request from me that I want to close my account, Which I never did At this point I have lost nearly XXXX, as the price of the XXXX is going up everyday and I am not able to use other company service since my money is blocked with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On or about XXXX XXXX, BANK OF AMERICA debited {$2200.00} from my checking and savings account. The reasoning was they had a legal order to hold my funds. I called BANK OF AMERICA only to have representatives tell me there was nothing they could do. BANK OF AMERICA claims they received a " notice of a lien '' which is not an actual lien or a legal order. If BANK OF AMERICA is debiting my account because of a " notice of a lien '' this is securities fraud. BANK OF AMERICA has no sworn statement under penalty of perjury that said " notice of a lien '' is true, nor do they have a court order pursuant to XXXX XXXX XXXX that corrobarates this claim. If I am mistaken I ask those documents be presented immediately. Due to the extreme amount of fraud and scams, it is only right that BANK OF AMERICA would make sure such documents are valid before allowing it to cause harm to one of their loyal customers. I have attached a copy of the " notice of lien '' BANK OF AMERICA mailed to me as well as my own affadavit that BANK OF AMERICA is welcome to rebut or have the person ( s ) claiming I owe a debt rebut. This matter is causing me and my family stress as I am unable to pay my bills and properly take care of my family.

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 2019-09-24
Company: EQUIFAX, INC.
State: TX
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:
equifax and XXXX XXXX data breach caused the violations : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 different name on credit 3 different address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the amount of what is owed on my mortgage for the past 6 months. I have opened disputes about the amount with all 3 credit reporting agency. The amount that Roundpoint Mortgage company keeps reporting is XXXX as owed this amount has been incorrect for months my amount owed is XXXX as of statement dated XX/XX/2019. I have tried to have this matter rectified for months including today. Today because of Roundpoints inaccuracy in reporting, my credit score has fallen another 30 points. The credit reporting agency keeps closing the disputes because Roundpoint Mortgage Company keeps reporting back to each one as the amount is accurate. Which it isn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX and on XX/XX/2019, by certified mail, Equifax received my dispute of accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) they are required to provide verification in the form of an original signed contract proving this is my debt. 

Not only did they fail to do that, but they did not notify me of the results of their investigation and send me a copy of the results of their investigation wih a new updated credit report within 30 days of receiving my written dispute. 

This is Willful Negligence and violation of Federal Law on their part. 

Action Required : Delete all of the above listed unverified accounts that continue to be on my credit report and continue to damage my ability to obtain credit, employment and reputation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2021, Somebody send me a message by XXXX, used the name of one of my friends, ask for money that I send it by mobile ATH. I send {$500.00}. Inmediatly I call XXXX and First Bank Puerto Rico to stop the transaction but at this time they don't notify what happen with my claim and my loss of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: PA
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 sent you a letter regarding inaccurate things on my credit report but to this day over 45 days already, I still don't hear from you. FCRA requires you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these inaccurate items to be deleted immediately or I will file for litigation due to all the troubles you've caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Niagara Credit Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of XXXX for a debt with XXXX XXXX XXXX and XXXX XXXX, XXXX. The letter states the principle balance is XXXX and XXXX XXXX of XXXX 

Please provide documentation as well as check the FDC status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband and I had a home equity line of credit with SunTrust bank, which we paid off in XXXX of last year when we sold the property. We are in need of copies of 4 checks written against that account. We have spent a total of 8 hours on 3 separate occasions trying to get this information. The first call, the person said they would order the checks and they would be mailed to us within 10 days. We called to follow up in about 3 weeks and no one had a record of this. The second person gave us a ticket number, but when we called today to follow up no one could reference the ticket number. Today we both called and have been given different answers after very long hold times. The last person I spoke to said that they do not have access to records of accounts closed before the Suntrust/BB & T merger . We can not complete our income taxes without this information.

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 2021-05-10
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They never provided a full accounting of hours billed against the large amount of money paid to them. They were over paid and I refuse to pay them what they claim when they most likely owe me a refund. Without an hourly accounting they can not demand money.

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 2018-01-15
Company: Conn's, Inc.
State: TX
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:
Ive filled a complaint with this company before. The account doesnt belong to me. They previously presented a payment history that Im unaware of. They also have reported inaccurate information with has ruined my credit profile. Ive attached the reporting documents. The account open dates are all different and they have continued to leave this unknown account ; OPEN on my credit profile.Ive contacted the company and theyre unable to provide documentation to prove my identity.PLEASE REMOVE THIS ACCOUNT!!!

Company response to consumer: Closed with explanation