BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Regarding Capital One 's XXXX XXXX. The president sends out a communique that says we will handle etc. However, the customer service delivery group did not get that missive. I contacted CapOne yesterday to determine if I was impacted my the recent CapOne employee data breach. I reached the XXXX  customer service center ( around XXXXCST if you want to pull the call ). Her comment to my inquiry was, data breach?. She didnt even understand the word much more the answer to the question. I called back but again got the XXXX so hung up. I then called the escalation group and spoke to XXXX. He wasn't an engaged person and had trouble understanding him as well. the net is that I still do not know if I was impacted and NO MANAGER will call me back. 

I contacted investor relations in hopes that they could send my requests to the proper manager. I simply wanted to know if I was impacted by their disgruntled employee who hacked their system. 

There is a class action lawsuit ( so I am not the only one who sees that this is being handled poorly ) but I would prefer to get an answer ( and now an apology ) to my simple question. Why do big companies behave so badly?? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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:
I got a letter in the mail today which is XX/XX/2019 saying I had requested a XXXX XXXX  XXXX dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as Experian, Fico and XXXX . If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX  XXXX  where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call Experian and XXXX. I came on here so I can talk to all parties Involved and get this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Vermont Student Assistance Corporation
State: MA
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:
I have been really struggling with Vermont Student Assistance Corporation on having my payments be accurately applied across my series of loans. Between the second half of XXXX and early XXXX, I made several payments to try to bring my balances down. Even though the previous month " statement dates '' had already passed by, they applied these payments towards a previous month, and towards just one loan - they did not count towards my XX/XX/XXXX due date. Effectively they just went towards principal and interest without effecting my monthly payment amount. I was able to have them re-apply the loans for that month luckily. 

Now, it is XXXX. I made a {$200.00} payment on XX/XX/XXXX. My typical amount due per month is {$470.00} and it is typically due on the XXXX of every month. The payment was deducted from my bank account on XX/XX/XXXX. When i log in to VSAC 's web portal, i am told that i still have {$470.00} due. The {$200.00} payment shows as having been made in a seperate section - but to what? How do i know which loan series it was applied to, and how do i know what VSAC expects as the remainder of my monthly payment now? Short answer : I don't. 

I have emailed and called them and have received two different amounts that will be due on XX/XX/XXXX. One representative told me i have credits this month of {$390.00}, meaning i have just about {$80.00} left to pay by XX/XX/XXXX ( i have this in writing ). That's extremely confusing to me because i know only {$200.00} has been paid. I do not know where the other balance paid is coming from. A different representative told me on the phone that I have {$270.00} left to pay ( which is what i would expect, as XXXX XXXX. 

All of this while their website still says i have to pay {$470.00} by the 14th. 

Every other time i make a payment towards a debt from another institution, if it's not the full amount for the month it will reflect in the online account how much i need to pay to satisfy the monthly payment requirement. I am so utterly confused as to how VSAC applies my payments. I have no idea what i need to pay to avoid being late or entering default now. VSAC representatives are utterly unhelpful and appear to not know what is going on, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My card number is XXXX I had bought this card alongwith 2 other cards which worked fine. this card didnt work. When I call the call center, as soon as i enter the card number i am redirected to the call center instead of being told balance or allowed to be set pin etc. 

I told the call center to activate the card and they told me its already active.

I called again and this time the person said he will register the card and it would work after 1 hour. It has been more than 15 hours and it still doesnt work either online or instore. I want to use it on the debit network and I can not even set the pin.

This is standard practice for US Bank and my second complaint in a week, except this time even after calling in they are not activating the card.

I keep getting an error to call customer service and customer service can not see anything wrong with the card. US Bank is again trying to steal 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 2022-08-26
Company: Experian Information Solutions Inc.
State: MN
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 sent a dispute letter ( 609 ) to the three credit bureaus XXXX, XXXX, Experian on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 2022-01-07
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: Account information incorrect

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/2021 to XX/XX/2021 I was defrauded and scammed and led to send XXXX and wire transfer payments of around {$40000.00} to XXXX. I made formal complaints to Bank of America to dispute and rescind those funds. Bank of America wanted official phone records from my phone company XXXX but they informed me they are not able to do so. I made another complaint to reopen the account yesterday and today I was notified that my checking account at Bank of America is being closed due to " business decision. '' Instead of helping me claim the defrauded amount they have chosen to close the account instead. I have mortgage due in XXXX days XX/XX/XXXX and they have locked my money until official account closure in XX/XX/XXXX. I can not access the funds at all for anything. To pay for food, mortgage or anything. Under the Electronic Fund Transfer Act banks should be able to help victims of scammed XXXX bank customers. 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 2021-06-08
Company: EQUIFAX, INC.
State: GA
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, XXXX, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

Equifax, XXXX, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave Equifax, XXXX, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax, XXXX, and XXXX  any written instructions to report this account. Equifax, XXXX, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax, XXXX, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax, XXXX, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax, XXXX, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OH
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:
Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On  XXXX / XXXX / 17 , I applied for  the CitiBank Business c redit card with  XXXX   XXXX . They denied me wrongfully online at the time of application.  My credit score i s over  XXXX , and I contend the denial was wrongful, likely based upon religion as adjudged from my last name. My social security number is  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 2020-01-30
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Account # : XXXX. 

Mailed XXXX XXXX their equipment on XX/XX/2019. USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Item marked, " Delivered to return agent. '' as of XX/XX/2019 XXXX NC. 

XXXX XXXX has filed a negative/deragatory " mark '' on my credit report as delinquent/unpaid debt for equipment that was returned months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Hi, I want to ask for your help to reinstate my amex XXXX XXXX  credit card account. My cards were cancelled last week for " dispute abuse. '' However, I do not agree with this conclusion. I used my cards frequently and actually daily and internationally. When you use cards everywhere, you will encounter problems you can not deal with on your own, that is the reason why we trust amex to help su but not denying your service! You can not cancel people 's cards without even a notification. I am travelling internationally right now and cards got cancelled brought so many problems I can not deal with, is this amex want to bring to your customers? This is not fraud or gaming the system, this is a loyal customer got embarrased by the bank he trusted and proudly used everywhere around the world. I called amex several times asked them to reinstate my account but they said to me it was denied and probably will get denied again. Just because some team claiming dispute abuse, a loyal customer suffered the consequence of not being able to use cards globally. I ask your help to make an reinstatement request for my amex hilton aspire card account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was submit a complaint with XX/XX/XXXX about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XX/XX/XXXX XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on XX/XX/XXXXXXXX, XXXX 2. XX/XX/XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on 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 non-monetary relief
Consumer complaint received 2019-06-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted a representative on XX/XX/XXXX regarding a letter received about a bill previously paid more than 2.5 years earlier. Informed rep bill from XX/XX/XXXX was paid in full on XX/XX/XXXX, confirmed by their records. Asked for explanation why adjustment was made on account that created new balance as of XX/XX/XXXX. Rep could not explain, advised to contact insurance. I stated wanted to dispute balance while reviewing with insurance, rep said to send letter but I declined as the letter received stated could call to dispute. Rep stated she would note file, then Rep disconnected call. Received new letter and contacted again on XX/XX/XXXX. Reviewed entire situation again with " XXXX ''. She advised I would need to send EOB showing balance paid, after I asked for explanation why there is a balance after it was paid 2.5 years ago. She could not answer, became patronizing, then hung up the call without providing requested information. 
HRRG continues to call daily despite efforts to inform them this is an administrative issue where I have the documentation that the bill was paid over 2 years ago.

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 2017-06-11
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On X/XX/17 I received communication from this company Transworld Systems INC of a debt which is currently being paid monthly with no missed payment to XXXX. They are yet another company that XXXX is attempting to use to try and discredit my credibility. I do n't deal with collection agencies I pay my debts to creditors as I have been from day one with XXXX I would like to charge XXXX and even this company if they continue to harass me for payment of an account I 'm paying. They are in violation of FCRA and I 'm tired of the harassment. I do n't owe XXXX nothing, I 'm paying them every month. I will not pay anyone else for the debt simply because I have no signed contract with them including this company. Unless this company can provide valid proof of this account not being paid to date. I suggest they allow XXXX to continue to receive payments until it 's paid and cease any further contact harassment with me for XXXX. I 'm including again valid proof of all payments to date in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo bank is not paying my taxes or insurance from my escrow account. I have called to try and get them to pay my taxes and they say it will be paid but it is past the due date. I have had to pay may taxes and insurance myself because they give me the run around every time I call. 

I have paid the taxes and insurance payments since my account was sold to Wells Fargo.

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 2018-04-14
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've disputed through XXXX, multiple times about medical debt with company " Commonwealth Financial Systems '' I did my dispute through XXXX XXXX, and since the most recent update I am unable to view the past dispute dates. However I do check my " score/report '' update every 1-2 weeks. I've ask XXXX to verify that all of the account information. Ever since I've disputed a few months ago ( the first dispute starting around XX/XX/XXXX ) the collections account will be deleted and re-added at random intervals. The amounts vary between $ XXXX {$2000.00} ( The current amounts are ( a ) {$1500.00}, ( b ) {$1500.00}, ( c ) {$1100.00} ). 

" A '' was reported onXX/XX/XXXX " B '' was reported on XX/XX/XXXX " C '' was reported on XX/XX/XXXX It's just frustrating when I dispute and get the issue resolved just to have it return as a " new '' collection within the next month. My credit keeps taking hits because of this. 

*I 'd also had the same issues with XXXX  but the amounts were assigned to a different collection agency ( they havent been reported again after dispute ) * **The same information is being reported to XXXX as well**

Company response to consumer: Closed with explanation