BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Company is taking the Stand that benefits them - I have shown my proof and according to Capital One terms and conditions I have the right to Arbitrate .Since there is a disagreement between both parties a neutral party needs to mediate and arbitrate between the dispute, According to the Terms of Capital One I am required to set up Arbitration rather then start a civil action. Capital Once is required under their conditions as well as New York State Banking Condition Rules and Regulations that Arbitration needs to be set up before a Summons and Complaint can be started. 

Capital one is only giving half the information to avoid participating in Arbitration. I have over 4 hours of recording that took place between the merchant and Capital One as well proving my case. 

I am requesting that the CFPB instruct Capital One to reply to the Arbitration request under the rules and guidelines of theXXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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: Personal information incorrect

Complaint:
The credit reporting company Equifax is continuously reporting personal information incorrectly. 

A second address that is undeliverable for mail. 

A middle name that is not authorized due to identity theft in XXXX, 2018. 

Employment should be blank due to ID theft. Birthdate and last 4 digits of social security number should be blank also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
As you are well aware, XXXX XXXX XXXX XXXX XXXX is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in multi-million dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current TransUnion and XXXX credit reports are showing that on XX/XX/2019 XXXX XXXX XXXX XXXX  XXXX reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information XXXX XXXX XXXX XXXX reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap. 

Im tired of XXXX 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.

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 2018-03-26
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On the evening of XX/XX/XXXX I placed an order for Bitcoin Cash ( BCH ) on XXXX. The order was placed at {$5400.00} and {$5300.00} USD per BCH, which was far higher than the website showed at the time that I clicked " Place Buy Order ''. Shortly after, all BCH trading on XXXX and their parent company Coinbase was halted. Trading did not resume until the following afternoon, at which time the price had dropped to under {$4000.00} USD. The highest price that BCH ever hit according to Coinbase 's own website was {$3400.00} USD on XX/XX/XXXX. I opened a support ticket with XXXX on XX/XX/XXXX and have followed up twice since. I have only received an automated response that they are " experiencing an unprecedented level of traffic ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Action Collection Service
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > ACTION COLLECTION SVC Not Proven Compliant Account -- > XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Around 2011 I had a credit card that they say I didnt pay my credit card which it was not true.

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX  responded two weeks ago, but I have yet to hear back from XXXX  or Trans Union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I submitted a payment through my USAA app using XXXX of {$600.00} on XX/XX/2019 to a person posing as a dog breeder. The payment was for a puppy that was never received. I called USAA and filed a complaint with XXXX on XX/XX/2019. USAA told me that there was nothing they could do. XXXX contacted me on XX/XX/2019 stating that they do not offer any protection for payments made through their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Apple Card provided by Goldman Sachs does not allow you to pay balance on account until such balance is posted. 
The issue with this is that your credit score is impacted when you have a pending unpaid balance. 

In my circumstance a purchase of about {$500.00} occured on XX/XX/XXXX and I can not pay my balance until XX/XX/XXXX of XXXX 

I called their technical support to remedy this issue who stated that I can not pay my balance as a matter of policy. I spoke to XXXX - id XXXX at about XXXX eastern time. 

Further XXXX did not offer a complaints process and stated that the company does not have a grievance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
No income to pay requested debt from bill reported to collection agency, still continue to call daily and sometimes multiple times per day asking for debt owed. Robot dials and person answers when picked up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually Ocwen called onXX/XX/2018, that our monthly payments went higher than when was originated. Along with my husband, who is now XXXX, have been attempted to modify our loan through Ocwen Loan Servicing, LLC, while seemingly trying to modify our loan, at the same time, Ocwen are trying to foreclose our property. It is our assertion that Ocwen have not dealt with us in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the XXXX Mortgage holder was Sun Trust Mortgage. This previous XXXX XXXX  was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st Sun Trust Mortgage that still exists and needs to be removed now when Sun Trust Claim & The legal basis of the claim now is made known via a Sun Trust Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX XXXX XXXX  Loan who assigned the modified loan to Seterus.Com ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by Mr.Cooper.com of Texas who still this new modified XXXX XXXX  holder. 

This current modified XXXX Mortgage is current and always been so. The current monthly payment as specified by Mr.Cooper.com is $ XXXX with {$600.00} for XXXX XXXX  Payment and XXXX XXXXMo for Escrow. 


What Happened? 

Until XXXX, XXXX when Sun Trust Mortgage selected 3rd Party Debt Collector, for more than 10 years, Sun Trust Mortgage never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the Sun Trust Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified Sun XXXX XXXX POC, to determine legimacy and fairness by a specified XXXX for Sun Trust Mortgage. 

Discussed by qualified legal representative for myself & family. Once this SunTrust Mortgage claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the Sun Trust lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of Sun Trust Mortgage that does not specify either the " Sun Trust Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the Sun Trust Mortgage claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such Sunt Trust Mortgage examption claim via conversation with a qualified Sun Trust Mortgage POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX XXXX Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against XXXX, in XXXX, XXXX for assistance in receiving such legal clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive report of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Identity was stolen several accounts were opened in my name along with several inquires i have sent in several documents to support this issue with NOHELP with removal of these negatives accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please know that I was not late sending my payemnts to ..I wonder why Transunion report it as late when in fact payments were sent before the due date..They wont give me  concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In the past few months I have made many attempts to correct incorrect credit information. In XXXX, I decreased my credit card debt, removed 2 accounts that weren't mine and disputed another. The company that I disputed with updated the information as correct, however, TransUnion added the account as a new account, causing my score to drop XXXX points. This is per a representative at TransUnion. I called them again and have since noticed the account removed but they did not increase my score to where it was originally before they put the account on. I would like my XXXX points back. They are refusing to add them back.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On my credit file I have a XXXX XXXX XXXX XXXX fraudulent account. I want this account removed from my credit file. And evidence of who opened the 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 2019-02-12
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the Summer of 2016, I moved away from Louisiana and settled all my debts. My cable company, XXXX XXXX, made a mistake in billing and charged me extra for services. It took me months, but I was finally able to have them tell me that my account was closed and I owed nothing. 

For the past three years, I've been battling them. They now say they never told me my account was closed, and say that I owe them {$120.00} in charges. They have harassed me many times about a debt that I do not owe, and their own customer service people told me that I do not owe them money. 

They then forwarded this debt to Afni, a debt collection company. I have sent them letters on multiple occasions explaining the situation, and they still harass me about this debt. It is affecting my credit, and I 100 % do NOT owe this money. I would like this false debt taken off of my credit report and for Afni and  XXXX XXXX to cease their 3 year long harassment of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
XX/XX/2017 bank of America reported late payment on my account whichnot suppose to happen because inrollled in auto pay but after 2 months they told I am not inrolled because I have business checking account instant of personal checking I was not inform about this situation on time so please remove this late payment with credit report agency for the month of XX/XX/2017 XX/XX/2017

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 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been at the same residence 25 yrs. After my card was declined with no notice When I questioned t what happened. I was told more than one story and was told to submit 4 types of I'd. Their agent told me I could cancel the card but could but she could not tell me about the questionable activity and advised to leave the account open. If you don't know someone's I'd. How can you allow them to cancel an account? After years with Capital One I believe their customers are at high risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018, I sent a letter to Equifax ; asking them to investigate errors on my credit profile. They were supposed to respond within 30 days but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a decrease in my Transunion score and I went to their site and notice several information in which I corrected via dispute. Then I tried to go back and disputed the -55 decreased in score which their system did not allow, so I started a chat chatted with agents ( XXXX ), after chatted with the first one she could not assisted and terminated the chat. So, I saved the chat contents and I started again with agent XXXX and after I submitted my question that one ended the chat, our need to know and accuracy of information they have is/are questionable. This is a ridiculous since I am to finance a condo for me. Please help, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive report of the credit bureaus.

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 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello again, My name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

-XXXX XXXX XXXX XXXX  : {$75.00} XXXX XXXX XXXX XXXX  : {$59.00} -XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX  : {$1000.00}

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