BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Im trying to catch up in all my payment but Capital One bank keeps charging me fees and interest rates and is making it super hard for me to catch up. I called and ask if they can take off the late payments so I can catch up and they told me No. 

XXXX  XXXX account Ending in XXXX CHARGE : Past due fee {$33.00} XX/XX/XXXX Capital One Walmart Rewards XXXX Past due amount {$28.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Past due amount {$18.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Interest charge {$6.00}. XX/XX/XXXX XXXX  card XXXX XXXX charge {$3.00} XX/XX/XXXX Past due. {$40.00} XX/XX/XXXX Interest charge. {$3.00} XX/XX/XXXX Past due. {$25.00} XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12
Company: RFNA, LP
State: TN
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:
I recently paid off my XXXX account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CBC Companies, Inc.
State: IL
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 a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company COLLECTION ( Original Creditor : COLLECTION ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: AK
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:
In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-10-27
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
In XXXX XXXX We took a loan for XXXX from Washington Mutual Bank, which later was bought by J P Morgan Chase Bank for a property located in XXXX XXXX, Florida. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XXXX XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/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 2022-07-05
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payments of my mortgage is not being processed properly and it looks like my account is again falling into arrears incorrectly. This is very frustrating that TD Bank is again unable to properly process my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: TX
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:
Hello CFPB, I went into a dining establishment on XX/XX/19 and 3 credit charges totaling {$8500.00} were billed on my Citibank credit card in less than two hours. The first charge was {$980.00}, the second was {$1800.00}, and the third was {$5700.00}. 
I disputed the second and third charges over the telephone on XX/XX/19. The CSR entered my dispute and also mailed me a new card and number. During that conversation, I was never given any tracking information for my dispute or how to work with Citibank during the process. On XX/XX/19, I received a letter from Citibank stating that activity on my credit card was valid, rebilled my account, and considered the investigation closed. On XX/XX/19, I wrote to Citibank that I disagree with their resolution on this matter. Which I have had no response. 
Thank you for your help in this matter.

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 2021-04-12
Company: BARCLAYS BANK DELAWARE
State: OH
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:
On XX/XX/XXXX, I awoke at around XXXX to find 2 fraudulent pending charges ( total of {$290.00} ) on my account. I called one of the vendors that was attempting to charge initially to give them a heads up that this was fraudulent activity. They advised to me that " this is a valid charge in our system and the order will be processed '', which was very odd. I told them that I was going to call my bank and they said " your bank will side with us '' and hung up. This is when I knew that they were part of the scam. I called the bank ( barclayscardus ) and advised them of the fraudulent activity. They told me I was all set and would not be responsible for the charges. Fast forward a few weeks and I received a letter that stated the charges were found to be valid. I called and spoke with several people trying to get explanations, but they just kept saying that their fraud investigations team determined these to be valid. I asked for them to provide an IP address from where the orders were made, and they would not provide that. I asked for the evidence that made them determine these to be valid, and they just told me the vendors provided sufficient evidence. I also provided them with a timeline and a dark web scan showing my identity stolen. 

These charges were not authorized by me - and I will swear to that under oath. I was sleeping while the transactions were processed, which can be verified by my wife. I need help on how to resolve this as I feel strong armed by this company now.

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 2021-11-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine and I have filed an Identity Theft Report with the FTC. I wish to have this debt, Wakefield & Associates, removed from my account. I have attached the report. Please follow FCRA guidelines regarding reporting fraudulent activity to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Foreman Financial Inc.
State: AZ
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:
On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named XXXX XXXX XXXX i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, XXXX XXXX XXXX ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My lease is currently with KIA MOTOR FINANCE. I am trying to refinance this leased vehicle with another lender. I have requested a lease-end buyout quote in writing on KIA letterhead on five different occasions : Date Time EST # called Item requested result XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received I am not sure how else I can obtain this document.

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 2017-10-27
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company calls my business looking for someone that is not here. They fish for personal information. They use threats and intimidation. They are rude and obnoxious. They continue to call even though told that the person they are asking about is not here. 

I will not be threatened by some random low level XXXX XXXX collection agency looking for information on someone not at this number. If they call again, I will call the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Incident occurred on Date : XX/XX/2022 In the amount of {$1000.00}. 
Accredit account on Date : XX/XX/2022 Reversed credit amount on Date : XX/XX/2022 Ive spoken with the bank to inform them that this transaction wasnt authorized nor did I or any employee made this transaction. The bank overturned my dispute claiming that there investigation lead them to believe that this was an authorized transaction. 

I asked them to please show give me any information that can help me understand that decision ; pictures, paperwork, etc. They couldnt give me any specific reason. I believe that this bank is in violation and is refusing to acknowledge FDIC terms and regulations

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 monetary relief
Consumer complaint received 2021-11-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM ( XXXX XXXX  XXXX BANK XXXX A ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Falsely reporting to my credit report {$10000.00} as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report {$14000.00} as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {$26000.00} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

XXXX XXXX XXXX - Falsely Reporting to my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX XXXX reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: JPMORGAN CHASE & CO.
State: GA
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 filed a dispute with Chase Shappire credit card for a charge of {$500.00}. I explained to them I never received any service from the merchant and neither did I do a consultation with the doctor. The merchant was XXXX XXXX XXXX and they refused to give a refund stating that, my charge was for a consultation that I never had. Chase stated I'm responsible because the merchant states it is non refundable. This is unacceptable because no services were rendered and Chase should be protecting me as their customer from this type of situation. It should be illegal to charge for a service not rendered and not giving a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Union Home Mortgage Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Attached is the most recent tax bill for XXXX issued by XXXX XXXX XXXX Collector. It states please contact your mortgage holder to confirm payment will be made. If paid by XX/XX/XXXX the amount due is {$3000.00}. Upon log in to my account at Union Home Mortgage on XX/XX/XXXX, the escrow balance is {$3200.00}. Therefore, there is enough in the escrow account to submit this payment in a timely manner. Confirm when payment will be sent.

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 2019-02-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a credit freeze via Experian online and it was nearly impossible ( by design ) to complete the process. After generating an account with Experian, the credit freeze request is then generated through a mail-in process with a host of documentation. I telephoned the company to request a credit freeze. Once again, the process is seemingly evasive since I was unable to speak with a live representative. This company has a series of paid and questionable services. For example, it appears Experian may desire that the consumer request a credit freeze alongside their paid services. In closing, an Experian credit freeze is definitely warranted because they are reluctant to share credit scores and credit monitoring as a free service to the consumer.

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 2020-05-20
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
When I signed this loan I do not remember signing anything regarding the inclusion of the insurance on the home. I was surprised to find that they were charging me {$330.00} per month for insurance, without my consent. This is an expensive insurance that has been added to my loan balance. I already had insurance on my home and wanted to maintain my policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Kentucky Higher Education Assistance Authority
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had two sets of loans : XX/XX/XXXX {$7500.00} and XX/XX/XXXX {$7100.00}. Loans went into default multiple times with multiple payments made along the years. I contacted the original servicer KHESLC/KHEAA and started to pay them all in full as of XX/XX/XXXX. I paid a total of XXXX in payments and one payment of XXXX to pay the loan to settle the debt. So I paid {$14000.00} and had {$2000.00} in interest written off. Making the grand total of the loans {$17000.00}. 
Though out XX/XX/XXXX to XX/XX/XXXX I received a few notices from Dept of Ed saying I owe them money and I would call the number get directed to XXXX where I was constantly reassured I was paying off all of my loans. From XX/XX/XXXX to about XX/XX/XXXX I heard nothing and assumed I was done. In XX/XX/XXXX I started getting calls from a debt collector which I assumed was a scam until my IRS tax return got yanked for the Dept of ED. I called KHEAA of course but now they are saying that I paid that {$17000.00} for the 1 set of loans from XX/XX/XXXX and keep telling me I need to call the debt collector. 
Also in that conversation they stated my interest rate was 6 % and that there was also another {$900.00} dollars paid to this loan for a grand total of {$17000.00}. The math does not add up and I believe they absorbed the 2nd set of loans and have misplaced the documentation. And the 2nd set of loans {$7100.00} literally 11 yrs later not 8 are only at {$10000.00} according to Dept of ED.

Company response to consumer: Closed with explanation