BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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. ) Submitted a specific dispute disputing a portion of a charge by a merchant. 
XXXX. ) The dispute contained the name of the cashier, and the items in dispute. 
XXXX. ) The dispute specifically, advised that the items were crushed/damaged by the cashier. 
XXXX. ) The merchant provided a tacky photocopy of a return/refund policy, however, it of course, fails to address refunds for products damaged while cashier is packing the groceries. 

XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$26.00} Dear Sir or Madam : Please be advised that XXXX continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to a sandwich, doughnut container and yogurt parfait cups. Therefore, liability for this action rests in the hands of the merchant and not the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: BANNER CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Received in mail on XX/XX/19 a windowed envelope that contained something that looked like a check. Opened it, and it is a new account reward voucher from XXXX XXXX that looks strikingly similar to a check, including a signature and everything. I don't think banks should be able to do this kind of marketing, because some people could actually tink this is some kind of check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My son received a {$8000.00} loan from NAVIENT in XX/XX/XXXX. It is XX/XX/XXXX. The loan balance amount is OVER {$8000.00}. We're paying {$180.00} a month and this loan amount has not went down in 8 years! I am so tired of paying this loan. Can someone PLEASE help  me! This company is robbing me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today,XX/XX/XXXX three months later, I receive a letter from Caine & Weiner dated onXX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : 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 2019-07-29
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I wrote five ( 5 ) checks to various Companies that we had payments to make, all with a XX/XX/2019 date, and included our mortgage payment to Provident Funding, and mailed the payments via USPS as usual, 2 or 3 days prior to the XX/XX/2019 date. We have not been late paying our mortgage payment which had a due date of XX/XX/2019, and after that date it is considered late. All the other Companies I mailed our payments into all received our checks well in advance of the due dates, except Provident Funding. I have attached our XXXX Checking Checks Paid Statement and copies of the duplicate checks I wrote on XX/XX/2019 and dated the 5 payments for XX/XX/2019. On or around XX/XX/2019 I received an email from Provident Funding showing our mortgage payment posted XX/XX/2019, one ( 1 ) day after the due date of XX/XX/2019, and I called Provident Funding Customer Service and told them that I had mailed this payment almost 3 weeks prior to the posting date, and they said nothing about a late fee. About three ( 3 ) days after that I received notice that we were being charged a late fee of {$35.00} for something we didn't cause or do and have never been late in the past. I called Provident Funding and tried to explain and requested the late charge be removed and they refused. They also implied a threat of sending this to the Credit reporting Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. No response to QWR and Bailee Demand ~ lack of debt validity.
2. We made 7 payments to Litton Loan Servicing in XX/XX/XXXX& XXXX that were never applied ( prior to service transfer to Ocwen ) 3. Wet made 14 payments in XXXX to XX/XX/XXXXthat were never applied ~ to Litton Loan Servicing. 4. Litton alleged {$3800.00} escrow deficiency at the time of the loan transfer to Ocwen in XXXX. 5. We made 17 wire transfer payments to Ocwen in XXXX, XXXX & XXXX that were never applied 6. Ocwen claims escrow was short {$7100.00} in XXXX, due to payments never being applied at Litton and Ocwen. 7. Ocwen demanded escrow payments of {$420.00} per month, when they should have been {$260.00}. This action in XX/XX/XXXXled to further default. 8. Ocwen refused to process loan mod application..we filed appeal to denial. The State of Texas issued a cease and desist orders and also sued Ocwen as well. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Since Ocwen refused our attempts to modify our loan, we filed a Federal Lawsuit on XX/XX/XXXX. Ocwen was served at their registered agent in Texas on Thursday XX/XX/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 2022-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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 disputed this item and it still hasnt been removed, ive been waiting fr response

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 2019-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I purchased 5 new XXXX from a XXXX retail store on my personal account. At the time of checkout, they asked me if I owned a business, which I do. They said I could save a decent amount of money on taxes and services if I were to convert my personal account to a business account, so I did. They informed me that I would receive a final bill for my personal account. When I received the bill I paid it on XX/XX/XXXX in full. I no longer had access to my personal account but thought everything was taken care of and complete. About a month later I received a collection letter stating that I owed {$93.00} to XXXX XXXX XXXX ( ERC ) for an unpaid XXXX bill. 

Over the next 6 months I have spoken to multiple XXXX reps as well as ERC reps and have gotten nowhere. Finally, on XX/XX/XXXX XXXX informed me that they found my payment made back on XX/XX/XXXX after I sent them very specific documents from my bank with transaction numbers and times. XXXX stated that they applied that lost payment to my personal account and the account was now reflecting a XXXX  balance. 

I had XXXX send me documents with their letterhead stating this for my records. I sent these records to ERC through email as well as verbally spoke to them asking them to remove this collection from my 3 credit reporting agencies. They informed me that they could not speak to XXXX and have no way of updating their information, that I still needed to pay ERC for the debt that they purchased from XXXX. 

This collection account haunts my credit report and has dropped my FICO score tremendously! It is not fair that I did so much leg work and research to prove that I was in the right and this company refuses to accept the fact that it was a mistake by the creditor, not the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Applied for online checking account on XXXX & XXXX XXXX, 2022. Each time, after submitting requested information, I receive the screen " We can't open an account for you based on the information you told us. '' There was no other explanation. This is curious as I have over XXXX XXXX other checking accounts at smaller institutions, and actually had a $ XXXX Chase credit card years ago ( which I cancelled in good standing myself ). Chase 's website is totally useless for finding out additional information regarding this unwarranted application cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send money through moneygram here in california going to my sister to XXXX XXXX, when my sister got the check issued by one of the locations in metrotown XXXX XXXX she deposited the check to her own bnk acct. to her surprised, the check bounce and was charge for that, we tried callng moneygram they kept promissing my sister and me to wait until investigation is done, how long will it take for us to wait? Pls help.the amount of money sent is XXXX usd which was transacted last XXXX XXXX,2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello please read the chat attachment that I had with XXXX XXXX the supervisor. I was told that if I made the payment within the 30 days I would be reimbursed by TWO of his CSRs. I was not able to make a payment before the promotion expired because their system showed my promotion paid when honoring my 1st expired one. But then when the next billing cycle issued it retracted all the payments and I was charged interest for the {$410.00} promotion then I was told conflicting information by the supervisor that it was a one time credit. This supervisor was condescending and unprofessional. I want to make it known how this was handled. The XXXX site for Care Credit logs you off if it shows no activity, but I always clicked yes when it would ask are you still there, but it cut me off without notice. Not once did this supervisor call me back even though he had my cell phone number. I tried to rechat again and the chat stated the chat service was down. I can not call as I am working and the chat feature is the only option that is feasible for me during work. So I emailed the message center twice. They all assured me I could make the payment, but when chatting today with the supervisor he gave me the runaround and was just a rude XXXX. He did not want to help me. There is A LOT of financial hardship that I am going through at the moment with COVID19 and I thought CARE CREDIT actually gave a XXXX about their customers. I actually had to BORROW money from my MOM to pay this, but when I saw that the system allocated the payment to it. I thought all was well until I checked my account a day after it closed. Then I saw they had taken all the payments back as I was not aware that is how their system works and not once did they tell me about this, but I had the money to pay both in full since I borrowed the rest from my mother. I was not treated fairly and it is not acceptable. I am truly disgusted and angry. I want this escalated to their corporate. Please see the full chat logs and messages.

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 2019-04-18
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I looked on my credit report and found this collection on my credit, however this account does not belong to me. I contacted the company and requested that they send me a signed application or anything that I personally agreed to in which they sent me nothing I told this company that the account was fraud and to please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
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:
I experienced identity theft in XX/XX/2019. Someone had applied for 3 credit cards with two weeks using my personal identity. 

I received an alert and immediately notified all the credit card companies where they received the application, as well as all the credit bureaus. 

The credit card companies never issued a credit card, because they could not verify my identity. 

Credit card companies ( XXXX XXXX ( two applications ) and XXXX XXXX ) notified all credit bureaus that a fraudulent application was filed and was identified as identity theft. They also provided me a written letter that they have notified all other parties about this fraud. 

XXXX and XXXX XXXX both immediately removed unauthorized hard inquiry, however, Equifax refuses to answer or fix this error. 

I have tried to resolve this issue by calling, writing, faxing them multiple times, and have also included a letters from the credit card companies that this was a fraud / identity theft that they detected, yet Equifax refuses to listen. All they do is put me on hold for 20-30 min at a time and say we can't answer you, but expect a response in the mail, but never send me any reason why they can fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a consumer with BofA I am complaining about a new feature on the mobile app which is XXXX I told bank of america I want to turn off the feature and BofA did help remove XXXX but i was forced to use it there is NO setting to turn it off in the mobile app and as a consumer I HATE USING XXXX PLEASE RELEASE A UPDATE TO TURN OFF XXXX AND REMOVE HER FROM THE ACCOUNTS PAGE AND I NEVER LIKED USING virtual assistants online.

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 2021-11-05
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$640.00} I never received this service from XXXX and the phone service was never activated. XXXX XXXX sent a sim card to use for phone number XXXX. I never activated the sim card / phone and called XXXX XX/XX/2020. On XX/XX/2020 the service was officially cancelled since the service plan was not activated. On XX/XX/2020 I received a credit of {$30.00} from XXXX of a pro rated bill they created since the service was never activated and the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX there was a transfer done from my Bank of America mobile app, which actually uses XXXX to send the money. The money was not authorized to be transferred as it was done without my consent, however, with it being one of my recipients I thought I could simply ask for my money back. The recipient did not receive the money either. When I contacted Bank of America XX/XX/XXXX they basically told me they were not responsible for XXXX and they could not do anything to help me. I proceeded to tell them I did not authorize the transfer and they allowed me to file a claim, but I received three separate letters stating that my claim was denied because it was done from a device that is consistent with previous valid account activity. The letters were dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The letter dated XX/XX/XXXX stated they were doing further research and it would take 45 calendar days to complete the research. The time has passed and I still have not heard back. I still don't know who received the {$2500.00} that was transferred from my business checking account on XX/XX/XXXX. The only thing Bank of American could tell me was that the money was sent through XXXX to a XXXX XXXX Bank account. I was not given any other information. On XX/XX/XXXX I tried to requesting {$2500.00} from the phone number that was used to send the money to originally and oddly, I received a notification stating that the phone number was not registered with XXXX. After researching online I found that XXXX should not have been able to take money out of my account if the recipient did not set up account with them. As of today, I still don't have my money and I don't know who does. XXXX refuses to get back to me and even the branch manager at my local Bank of America is frustrated with me and no longer can help me she says. I don't know what else to do, but I need my money back. Please help.

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