BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/2019 A charge for a XXXX  purchased was charged. I received my statement and contacted capitalone about the charge. I explained to them that I did go into a XXXX store to establish new service to get a new XXXX. I was with the sales guy and had the phone picked out and was at the last step which was to sign and than take my phone that i purchased. I had my card out, but i had him wait a moment because i found a better deal at a target phone kiosk. I explained to him that i want to check out targets mobile kiosk to see there specials. he got upset and took all of the papers that I DID NOT SIGN and my card and the phone that was still wrapped into the back. He came back out and gave me my card and information about the plan NOTHING I signed. I explained this to them about 5 times, after talking with different country reps that couldnt understand, i finally speak with someone in the states today ( on the phone for over 2 hours today, in the past about another 2 hours explaining ). Today the guy at capitalone ( another country ) had me be on hold while he calls the store that the card was charged, the guy on the phone couldnt find the charge, he said he would transfer us to the corporate accounting department. The guy at capitalone, me and the lady in the corporate accounting was discussing the above. I gave her all of my personal information and capitalone charge information. She than asked for a pin or a code, i said i dont have an account and dont know the pin. she than said this is fraud and she needs to put me on hold. After that, the line disconnected. After calling back to capitalone on hold for another 30 minutes, the guy said ( in the US ) there is nothing else for me to do but we can not help you anymore. The charge isnt mine, i didnt get credit for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: PR
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 XX/XX/2022. THREE ( 3 ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( XXXX XXXX XXXX XXXX XXXX XXXXANK ), ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXT. I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.

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 2022-01-20
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/XXXX {$660.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$990.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00}, XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00}, XXXX XXXX XX/XX/XXXX {$2500.00}.

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 non-monetary relief
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear TransUnion is recently sent over a complaint telling in writing that there we 're several errors on my credit report. You responded and said theirs not any inquiries on my credit report but I second that. I looked over the credit report today only to notice that these inquiries remained on my credit report. It clearly shows the unprofessionalism on your companies part. This is my third attempt contacting TransUnion by certified mail months ago, also by send a complaint. If this issue is n't resolved in 30days I will be contacting my lawyer to take a civil approach for the damage you 've caused, also with breaking several laws in the FCRA. I sent documents with a police report, certified documents, THE COMPANIES LISTED BELOW : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Accounts : 1.  XXXX XXXX 2. 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 2022-01-19
Company: WELLS FARGO & COMPANY
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:
XXXX $ was stolen out of my bank account on XX/XX/2021 Ive been trying to dispute this claim for 40 days now every time I get this escalated Ive been give the ring around transferred have been on hold for more than an hr each time all for Wells Fargo to push my claim Out and start the process all over again. They tell me the claims officer working my case isnt available or is out for the day and its frustrating please help me.

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 2017-09-30
Company: Ability Recovery Services, LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX CLOSED DUE TO ILLEGAL PREDATORY LENDING PRACTICES. THERE ONE OR MORE EDUCATION LOANS APPEARING ON MY CREDIT REPORT Date Closed XXXX/XXXX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: ND
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:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : Account # XXXX XXXX  XXXX XXXX, Balance Owed : { {$460.00} }

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: SUNTRUST BANKS, 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I bought a XXXX XXXX through Suntrust Bank. In XX/XX/XXXX my account fell behind. I lost my job and I was unemployed for an extended period of time. The car was repossessed in XX/XX/XXXX. This is still being reported on my credit report. On XX/XX/XXXX I filed a dispute with XXXX. They immediately re-reported the debt even though the timeframe is over 7 years. This debt should n't be being reported since the time frame is past the legally allowed timeframe.

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 2022-01-19
Company: U.S. BANCORP
State: CA
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 called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called XXXX times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. 

I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. 

Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXX monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. 

I was informed that my account could not be reopened, with no other explanation or options. 

Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. 
Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been XXXX XXXX monthly. 

I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. 
That is why I filed this complaint.

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX is STILL reporting my XXXX account as having been late in XX/XX/XXXX 2017. I 've disputed this with the three major credit bureaus, but it keeps coming back as " verified '' even though I downloaded my payment history directly from XXXX 's website and attached it to each dispute. I will attach it again with this complaint.

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 2018-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase cancelled my automatic payment on XXXX XXXX, 2017 which resulted in a missed payment in XXXX. I discovered their error on XXXX XXXX when looking at a statement and wasted over an hour of phone calls with them to resolve the problem. They provided conflicting information about what happened, and then hung up on mu when I asked for my call to be escalated tot a manager. I was financially harmed by their error to the amount of about {$75.00} in a late charge, and also lost several hours of my time dealing with poorly trained and incompetent members of their servicing team. 

During my call with Chase, I was told that they had 2 different user ids and passwords for me to access my account online. This sounds like a security issue and a problem with their systems which should be examined very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company will not provide or respond to validation of debt. The SCRA states that a landlord may not evict a current servicemember from premises that serve as, or are intended to serve as, a servicemembers primary residence during a period of military service, without a court order, assuming that the monthly rent for those premises does not exceed a certain amount. See 50 U.S.C. 3951.

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 2022-01-19
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my Reverse Mortgage servicing was moved from the PHH Mortgage Company office in XXXXXXXX XXXX to their office in XXXX XXXX XXXX FL. On XX/XX/XXXX I faxed a Line of Credit Draw Request Form to the Michigan office ( XXXX ) and to the XXXX XXXX XXXX office ( XXXX ). When I did not receive the funds I called the Michigan office and was referred too the Florida office. I called the Florida office three times, waiting on line, and pressing buttons until I reached a human being. Each time I was assured the fund would arrive, each time nothing happened. I finally called PHH Mortgage Customer Service ( XXXX ) and learned that my mortgage number ( XXXX ) had been changed with no one notifying me ( new # XXXX ). So far, despite the efforts of the very nice person at PHHCustomer Service, no money is forthcoming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: ME
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 attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX 2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: RMB, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, I contacted the company to change my monthly payment. I do not have any email correspondence or letters from the company. They asked all customers to sign up on their website to make billing Arrangements. Their website is not secure. The login page is unencrypted according to XXXX XXXX. Login URL is XXXX, not XXXX as it should be. I question if they are really processing my debt. I 've made {$200.00} payments monthly for 5 months for an ER visit in XXXX, Florida. Their website is XXXX for RMB Inc. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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 status incorrect

Complaint:
The financing company repossessed my vehicle after EVERY single payment was made on time and then not even 24 hours of it being late they repossessed it for being Late. I had to pay repossession fees AND also hefty fees to the financing company ON TOP of my already HIGH payment. MY bank told me that they should have at least tried to bill my auto payment twice or three times before REPOSSESSING the vehicle. It was IN my bank account. NOW my credit report shows that I had a missed payment. 

Also CURRENTLY I have made EVERY SINGLE payment BEFORE the agreed upon date each month so my credit report SHOULD show the actual payments. I am NOT happy about the fact that the Equifax only shows I paid until XX/XX/XXXX when that is INCORRECT. I have paid EARLY every single month for this ENTIRE YEAR. I want the credit Bureaus to reflect the CORRECT payments. All it states on my credit reports is that it is current but only shows that I made payments through XX/XX/XXXX. It should be showing XXXX and XXXX both of XXXX as well. 

View all accounts XXXX XXXX XXXX XXXX Co - 2 Missed Currently on-time Overview You've paid off 10 % of the original amount. 






Balance {$19000.00} Highest Balance {$21000.00} Monthly payment $ 583OpenedXX/XX/XXXX ( 1 yr, XXXX mos ) Term66 months Payment History Youve made 88 % of payments for this account on time. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Current Current Current Current No Info XXXX No Info Current Current Current Current Current Current 30-59 Days Late Current 30-59 Days Late Current Last paymentXX/XX/XXXXCurrent Payment StatusCurrentWorst Payment StatusNo Info Account Details Account statusOpenTypeAutoResponsibilityIndividualRemarksConsumer disputes - reinvestigation in progressTimes 30/60/90 days late2/0/0 GO TO EQUIFAX Creditor Information XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXXwe began the loan process with JP Morgan Chase to refinance our existing mortgage for our Condo in order to take advantage of the equity in our home for debt consolidation and home improvement. The estimated property value of our home is XXXX and the balance on our current Chase mortgage is XXXX, the refinance amount requested was XXXX. We have lived at the same address for 30 years and both my spouse and I have worked for the same employers for more than 10-years and 27-years respectively ; each of our individual credit scores are in the " excellent '' range, with all debt payments made timely. Our condo is part of a XXXX unit homeowner association which was built in XX/XX/XXXX and converted to condominiums in XX/XX/XXXX and was designated a National Historic Landmark in XX/XX/XXXX. Today we were told that our loan was DECLINED because 2 HOA projects were not scheduled to be completed before the inception of our loan, the two projects noted were both long-term maintenance projects that are documented in the board-approved annual budget. We are very upset and do not understand why this is a factor in our ability to repay a standard 30-year loan for an amount that is roughly one-third of the value of our home. During this entire loan process we feel that we have been overly burdened from Chase to explain and justify inexplicable factors and are wondering if there is an underlying discrimination that is driving them to ultimately decline this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted all creditors in this Matter Capital One Bank and XXXX and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with Caapital One and XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last year my Pay Pal account stopped working. We had received payment from a customer for additional shipping but Pay Pal would not allow us to transfer that payment to our bank account. Instead Pay Pal permanently limited our account. I have tried several times to find out why our account had been permanently limited, but when I call Pay Pal they will not tell me why they closed our account. We have roughly {$84.00} in our pay pal account and we are not able to have that money sent to our bank account either. Every customer service person I speak to is in a foreign country. I still do not know what has happened for our account to be permanently limited. Pay pal seems to keep our money and not give us any answers.

Company response to consumer: Closed with non-monetary relief