BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Four years ago, in 2019, I asked Capital One to close my XXXX XXXX XXXX checking account ending in XXXX. CapOne has nevertheless kept my account open all this time. I can not even access my balance. I even complained to CFPB previously ( see Complaint ID XXXX, attached for reference ). Recently CapOne had the gall to notify me that since my account 's had no activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance XXXX, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had two capital one credit cards payed both off unfortunately it was. Reported not paid for both

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called XX/XX/2021, XX/XX/2021, and XXXX ... AmSher Collection serives about XXXX collection account that placed on all my credit reports by AmSher. i was told they are no longer have the account. i have asked them several times to remove the account from my credit reports they will not remove the account and will not talk to me about the account and hang up on me when i ask to talk to a supervisor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Mgt calls my place of employment daily. They've called my place of employment : XX/XX/XXXX at XXXX XXXX pst XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX XXXX PST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did not attain medical services and do not recognize these charges.

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 2023-08-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Macys/Citi Bank called a friends cell phone looking for me after being five days late and never contacted me I never provided them this person 's information and Macys told me they searched me instead of calling me or emailing or texting me directly this is a complete violation of my rights and privacy. Macys as admitted to this to me. I want to file a formal complaint. I am the customer not my friend.

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 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I get XXXX calls per day from Bank of America 's " Loan Counciling '', which I DO NOT WANT! 
If thats not bad enough, they have also been on my property/s ( which is a big NONO in my book ) hanging paperwork on front door stating same thing ( about calling loan counsling ). They do not have my or my wifes permission to be on ANY of our properties. They also tried to charge us a fee for sending someone " out to my properties '' to hang that piece of paper on front door. Which I will not pay. 
When we answer the phone calls from the loan counsler #, so we can tell them to quit calling! You only get a recording stating - to call the loan counsler! 
We occasionally run late on our loan payments, but never more than 30days, as I get paid XXXX. We have always made our payments and always will, even thru worst of times of us/ America struggling, we have made our payments INCLUDING countless late payment fees. We even get these same calls after Bank Of America has cashed our home loan checks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Not sure what this derogatory mark on my credit repot but it only come up on XXXX XXXX XXXX. Please take a look at it I believe it is a mistake. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: OPORTUN FINANCIAL CORPORATION
State: TX
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:
Inquiries continue to pop up. I admit are not mine. I would want deletion from this. It is affecting me. Dates are listed on credit reports. 
XXXX shows XXXX XXXX twice. Oppurtun. XXXX XXXX, XXXX XXXX   and all others that show on XXXX  and XXXX XXXX where i sent the uploads. I had open and closed a credit card with XXXX XXXX and claed the account due to loss of job and months later i notice two inquires for the same credit card service i didn't apply. I spoke with someone and they where not able to tell me why they are inquiries on my account. I ask for deletion and was advise no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Caliber had a forbearance hardship modification with Caliber home loan doing the covid 19 .Caliber forbearance plan back in XX/XX/XXXX and suppose to last until XX/XX/XXXX because I asked for an extended also .My loan was owned by Fannie mae XXXX XXXX. I asked Caliber to put all my missed payments at the back of my loan.I told them since I my loan. was owned by Fannie mae that I can ask for this under the care act for my loan to be extended. Caliber approved me for the forevbearance and later on changed my mortgage ownership from Fannie mae to an investor ownership. Caliber also changed my mortgage server to XXXX while I was still in my forevbearance plan with them on XXXX XXXX. I called them and told them that was wrong of what they have done. Caliber had already misrepresent of a loan modification by not sending me all of the documents. Caliber is a untrustworthy loan servers. Now I stuck with XXXX trying g to give me a reasonable forbearance plan. They are the sane as caliber and I don't think they should be handling my mortgage, because ca5 transferred my loan over too early while I'm mortgage was still with them. Now XXXX said my loan is in foreclosure. They gave me a high payment for the forevbearance instead of working with me. I had asked Caliber can I use my equity from in my home and they told me that they took all of my equity and I asked they why and did not get an corrected answer. I told them that I have been in my home for 14 years where are my payments going to and why is my loan not going down after 14 years. I know that I have missed some payments but I know that I had about {$45.00} in my equity the last time I checked on it. I need someone to help me get a reasonable forevbearance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Synovus Bank
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 identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report synovis being one of them. I obtained a police report on XXXX and submitted it directly to synovis because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now synovis has sold this deb to XXXX  and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Advantage Credit, Inc.
State: MO
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 have noticed that ADVANTAGE CREDIT/XXXX  have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ADVANATGE CREDITXXXX and XXXX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: ND
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:
Issue with a financial institution which financed my auto loan. Account was paid as agreed without late history and/or late payments. The matter was brought up to the bank which understands that the history is inaccurate and explain that the credit bureau is to blame for the incorrect history. 
I contacted the bureau which states the information is being reported as accurate by the bank. Each company tells me the other is responsible for the error and the matter does not get resolved. 

I am asking for assistance as a consumer under the Fair and Accurate Credit Transaction Act and the Fair Credit Reporting Act. I am further asking that this agency help mediate the matter so that the entity reporting the inaccurate data corrects the issue with finality. 

Late history is reported thus : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Issue with a financial institution which financed my auto loan. Account was paid as agreed without late history and/or late payments. The matter was brought up to the bank which understands that the history is inaccurate and explain that the credit bureau is to blame for the incorrect history. 
I contacted the bureau which states the information is being reported as accurate by the bank. Each company tells me the other is responsible for the error and the matter does not get resolved. 

I am asking for assistance as a consumer under the Fair and Accurate Credit Transaction Act and the Fair Credit Reporting Act. I am further asking that this agency help mediate the matter so that the entity reporting the inaccurate data corrects the issue with finality. 

Late history is reported thus : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2019-10-15
Company: WELLS FARGO & COMPANY
State: TX
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2023-08-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
Company continue to report false balance amounts, contracts, insurance payouts, previous identity records linking me to the account ( s ).

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 2016-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 Bank of America sent me a letter which read " Congratulations! You 're approved for a Home Equity Line of Credit Modification '' I accepted this offer nine months ago, a contract I have honored and complied with in every way, yet Bank of America has and continues to avoid compliance. The issues are as follows : Failed closed my modification Continuously send me numerous notifications that my " loan modification appeal has been denied '' Inaccuracaly reported my credit history Called me 50 times stating my loan is in default or me calling BofA to get assistance Provided me with assurances that " this is just a paperwork problem '' for 9 months Verbally assured me that my loan is fine and I should continue to pay the {$710.00} ( which I do every month ) and instructed me to ignore the letters and calls that state I am in default I have has to endure countless changes to my " single point of contact '', and there is no end in sight. This situation is inhumane. Bank of America 's CEO XXXX XXXX was notified months ago and still no action toward a resolution. 

I have asked for months for help. Now I have demand they perform under the agreement. Provide me with an accounting of how the thousands of dollars I have paid from the time I entered into the modification have been applied. I do n't even know what interest rate they are charging. My statement says 3.75 % and my modification says 1 %. I will bet they do n't even know how to prepare an accurate XXXX for tax purposes.

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 2020-04-26
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
They have loaded my money on the card but it won't let me use it and i can't get anybody to answer the phone.It rings u be on hold for hours and the phone hangs up on u

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 2023-11-02
Company: CMG MORTGAGE, INC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I contacted CMG mortgage about applying for a mortgage forbearance on our mortgage and I was not provided with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions 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:
I have information on my credit file with someone tried to apply for credit

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 2023-08-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and Experian failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and Ill like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.

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 2019-10-15
Company: Experian Information Solutions 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:
I've contacted Experian multiple times and each time they either ignore me or don't follow the rules of the FCRA. I will attach my final letter to this complaint before I just take them to court. This is ridiculous and all they have to do is remove my requested accounts in question. Each company hasn't provided me a shred of proof and nor has Experian. Let 's make this easy on each side and just follow the law and rules.

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 2017-10-30
Company: Bristlecone, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING

Company response to consumer: Untimely response
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello and Good Day ; Re : Care Credit Account Synchrony Bank XXXX I am filing a complaint due to the fact that the XXXX XXXX XXXX retailer located in XXXX Ny, who promotes this credit card did not disclose the details of this credit card fees and interest. i was informed without a doubt that i will only be charged interest on the remaining balance after the 12 months of making payments interest free expired and if there was any remaining balance i would pay interest after that. However, Care Credit/Synchrony Bank charged me a cumulative amount of {$370.00} that was retroactive for the 12 months that i was to not pay interest as a caveat to opening an account with them. In XX/XX/XXXX, they charged me the said amount of XXXX Today, XX/XX/XXXX, i made a final payment of my remaining balance with the exception of the interest they charged me erroneously equaling {$370.00}. Today, I closed the account with Synchrony Bank and paid {$760.00}, which was the balance without the over charge fees previously mentioned. I attempted twice to resolve the issue with a Synchrony manager and was informed twice they would not waive or take off the {$370.00}. i informed them that i would contact XXXX, XXXX, which i did and was advised to contact the FTC. I kindly ask for your assistance on this matter as i feel i as a cosumer was misled to believe one thing and never given proper information of what could happen once the year is over. That is misleading a consumer just to benefit their company or store. I am appalled that this happens. i received no calls, messages nor letter that i would be charged. I made automatic payments monthly and was handling account as paperless. i believe my recent credit history has shown that i have worked hard to repair my credit over the years and do not want to lose the positive growth i have worked on. Please rectify this situation and i provide FTC informed consent to remove further in investigating this matter and hope it is favorable to me. Thank You and enjoy upcoming holidays.

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