BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/2016 i purchased a guitar and amp from guitar center using XXXX XXXX using an 18 month promo. one year later i purchased another guitar. for a 6 month promo. i never was late or missed a payment. i spoke to them when i was charged XXXX in interest. they said they deferred the payments all on the second purchase. so they charged me interest on the first one two. i had already paid interest on the first one so they charged me twice for interest. isnt this illegal to pay interest twice. they said there was nothing i could do. so on a used guitar that cost XXXX i got charged XXXX interest. and they were sorry. this company is so shady, greedy, and has such unethical business practices they need to be stopped. how can a company charge you interest twice. my XXXX yr. old son is so upset because he knows i already struggle financially on XXXX. he feels its his fault. i told him not all banks operate illigally. check out their practices you will be shocked at what they do to people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage Company XXXX XXXX XXXX withdrew my mortgage payment twice instead of once on XX/XX/XXXX for payment due XX/XX/XXXX. {$740.00} was deducted twice. We contacted them via phone on XX/XX/XXXX and they said we had to email a screenshot of the bank statement and we would hear back in 24-48 hours. We received an email saying they were reviewing the claim on Thursday XX/XX/XXXX. I called back Monday XX/XX/XXXX because we had not been credited the second payment. They said this would be reversed on XX/XX/XXXX which I told them was unacceptable as an electronic transfer should take 1 day. I asked to speak with a manager and was put on hold. When the person came back on the line they said they had fast tracked the reimbursement and I would have it by end of day XX/XX/XXXX, I asked him why I did not get a manager as I had asked for one and he said none were on the floor. Today XX/XX/XXXX I still have not been reimbursed for the second payment they deducted from my account.

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 2021-08-07
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian and XXXX  refuse to remove incorrect personal information. Names and addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
What happened? 
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from XXXX XXXX XXXX. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. XXXX XXXX XXXX got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say XXXX XXXX XXXX has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is unlawful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. somehow indicated a debt on my account. I called HSBC at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and HSBC and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, my name is XXXX XXXX XXXX. 
My mortgage company was Home Point Finacial. They have sold my loan to a new company and have marked to the credit bureau that my account has been closed. This has put a negative impact on my credit history and score!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Hawes Klein LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I called portfolios XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th

Company response to consumer: Untimely response
Consumer complaint received 2018-07-04
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: Problem with personal statement of dispute

Complaint:
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees  applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXXXXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I used the Capital One Mobile Banking App to make two payments, one to each of my credit cards from my XXXX XXXX  acct. I noticed the next day it took my payments from my Capital One Checking and overdrafted my account resulting in two fees. I thought maybe I had made a mistake. On XX/XX/XXXX I used the mobile banking app to make another set of payments both to the same credit card. One from my Capital One Checking for {$62.00} and one from my XXXX  for {$75.00} and again both came out of my Cap One checking resulting in another fee for the {$75.00} payment. This time I paid careful attention and I know that I choose XXXX XXXX. I called Capital One and was told they would not refund the fees and I must have chosen XXXX. I know the issue is because the app made my Capital One Checking the default account a few weeks earlier when I linked it in the mobile bank app. I spoke to Summer in the credit card division and they removed the account, and when I spoke to XXXX in the digital division after she said that the account was not set as the default ( because the credit card division removed it ) and I must have chosen it to be the account I paid from. I did not. There is a glitch in their mobile banking app when you link an account and it makes it the default account and Capital One refuse to refund the fees I incurred as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-12
Company: FIRSTBANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
for the past 2 weeks, First Bank of Colorado ( dba 1stBank ), has charged over {$200.00} in Nonsufficent Funds Fees to my checking account. Despite this practice occurring in a predatory manner ( this issue has occurred over the past 2 weeks or so ), the bank continues to fail to give a reasonable answer as to why these NSF fees were charged, and refuse to refund or reverse the predatory charges in question. I contacted customer service on XX/XX/XXXX ; they were able to reverse 2 of the charges but that fails to account for even still almost {$200.00} that they essentially stole from my account without notice or reason. I am deeply perturbed by this occurrence and am seeking all avenues possible to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: Paypal Holdings, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I have met a toy artist with the XXXX named XXXX, Paypal name XXXX XXXX XXXX, I have told him to order a XXXX XXXX XXXX toy model kit, total costs is supposed to be {$3700.00}, and I broke it down to 5 payments which are {$1600.00} on XX/XX/2020, {$500.00} XX/XX/2020, {$500.00} XX/XX/2020, {$500.00} XX/XX/2020, and {$670.00} XX/XX/2020. He shipped the item to me after I fully paid, he packed it with 3 boxes and I received it by XXXX on XX/XX/2020. After I opened the 3 boxes, the items are damaged, so I messaged the seller, and he told me he would filed a claim with XXXX, so he can send me the return label, and i was keep waiting for almost 2 weeks, and at the end, he asked me to pay for the shipping fee first and send it back to him, so he can repair the items for me. so I shipped it back to him by XXXX, same boxes, but after he received the items, he said he is not going to repair it because he didn't damage it and he is not shipping it back to me. I tried to file a dispute with Paypal and XXXX, none of them tried to help me and just told me to contact the seller and solve it. This is completely not fair since I paid {$3700.00} on this item, it's damaged and it's not even on my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have purchase a flight for my family for XXXX XXXX in XXXX using my Capital one credit card. When XXXX arrived my daughter had XXXX, XXXX and XXXX  XXXX and was told by the doctor to not travel. I have the doctors note of travel restriction and sent it to XXXX  for a refund of the booked flights. They agreed to refund me of the full amount. Fast forward year XXXX I wanted to use my refund in my account and i booked a flight but then my refund was missing. I was never refunded and I called XXXX  and said that my refund is gone because I dont have the same email when I booked my flights. Ive called capital one and they said that the dispute timeline has surpassed and wont be able to refund me. I have tried calling XXXX  but ive been unlucky to reach them as you need to book a flight to reach customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX The latest balance is {$2400.00} ( this data may be delayed ). 
This account was removed from your credit report on XX/XX/2020. This account was removed from all other agency. Please remove.

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 2019-03-29
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collections for {$1100.00} from a collection agency that never sent the collection notice. The original creditor is XXXX XXXX. I have no idea how they arrived at the amount. They can not prove they sent an invoice or collection letter for me to respond to. I believe this is a violation of the FCRA.

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 2020-07-24
Company: EQUIFAX, INC.
State: WA
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 applying for a home loan in XXXX and found out I had bad credit in XXXX XXXX because XXXX was reporting a significantly delinquent account of {$2900.00}. My lender suggested I open a dispute. This was on all 3 reporting agencies. I've never had an account with XXXX. I've also never lived in IL. I filed a dispute. Equifax was the first to respond saying they have updated my credit but have verified with XXXX that the account is mine. It's in error. I've been with XXXX since XXXX and NEVER had XXXX. I'm still with XXXX. I used to work for a bank ; so, I pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
daily phone Calls during the week and even on Saturday from the below numbers Merchantile Adj ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I block these calls, but these places continually call from new numbers. Although I have most of these numbers blocked, I know I am Still getting calls from them because they are Still Registering everyday on my XXXX incoming call list. When I look these numbers up online, they are Indicated as debt collectors, yet I have no Idea why they would be Attempting to contact me, since I have no debts..sometimes they will leave a message saying to call back and reference a case number There is nothing on My credit report indicating I have anything in Collections or in my public records ... I do not owe money To anyone I am on medication for XXXX XXXX and other XXXX   related disorders This type of rediculous Harassment is aggravating my XXXX  and I am getting the shakes These places need to be Dealt with appropriately As soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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: Account information incorrect

Complaint:
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and Equifax is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: OH
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:
Request deletion of account as information is not accurate per FCRA XXXX. XXXX this is double " jeopardy ''. And the account does not have LAST DATE OF ACTIVITY. 

Please provide method of verification. 

Experian Report This is account is being reported twice on Experian as XXXX XXXX XXXX Charge-Off # XXXX with balance {$0.00} and credit limit of {$400.00}. 

Then reporting again with XXXX XXXX XXXX # XXXX with a balance of {$1000.00}. 

XXXX Report The account is being reported twice again, but as XXXX XXXX XXXX # XXXX with a balance of {$1000.00} Open in Collections, which is another violation of the FCRA.

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 2020-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.

Company response to consumer: Closed with explanation