BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Overcharged for something you did purchase with the card

Complaint:
This complaint is perhaps a little tardy as to the merchant who was posting unpermitted charges, my complaint is the handling of the situation by Capital One. 
I will try and be brief : I signed up for advertising and SEO from a california company with my Capital One Credit card, They were unable to deliver the promised service adn the account was cancelled, for months they continued to post charges of various amounts that capital one would not block, i declared the fraud capital one refused to credit the wrongly charges funds and instead stated that they needed me to have a new card - that card was issued ending in XXXX. Trouble was that when the account person at the fraudulent charger called capital one CAPITAL ONE GAVE THEM THE NEW ACCOUNT NUMBER, next capital one says the only thing we can do is close the account ( the credit line of {$10000.00} had become vital to my business and paid 1.5 % cash back ) So I agreed, closing the account because they said after it was closed I could order a new one., so once the account was closed and paid off ( i got the evil merchant to refund some of the taken money ) I responded to an advert by capital one to me for another cash back credit card and I accepted the offer - THEY LIED the card i have been using does not have a cash back feature!!!! On top of that they now say they are only willing to provide a {$500.00} line of credit, odd since I have paid off all revolving debt, have been earning more and own a home now. Beware they are tricky!!!! 
Once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Village Capital & Investment LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have an accepted offer on my house in Alabama. I was supposed to close on the XXXX of XXXX. The mortgage company who has the mortgage says that by law they have 7 business days to give me a payoff of the mortgage. The company name is Village Capital and Investment. They sent me an e-mail telling me this after I had been run through the mill trying to get a payoff. It took me two days to get through to even talk to anyone about getting a payoff. The title company who is handling the closing could not get a response from them what so ever. Their website is not user friendly and does not offer to get a payoff anywhere on their website. I made the request on XX/XX/2021. So, now, I wont get the payoff until the XXXX of XXXX or longer if they mail it. The laws need to change. There is no reason why it should take 7 days to compute a payoff other than the banks are milking the consumer for more interest. The way this guy wrote his e-mail would suggest he is going to do everything he can to make my life miserable. Village Capital will not get any more of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been trying to contact and have had inquiries that I didn't recognize or apply for are on my credit report from Capital One Sale And and XXXX XXXX XXXX and It has held me back from getting a home. I never Authorized or told someone from this company to pull my credit score and they did and when I try to contact them no one got back to me and the people on the phone didn't even know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2017 I was approved for commercial loan to build a dental office from Bank of America Practice solution. 
XXXX XXXX was my loan officer at that time and it was very successful relationship and he communicated almost on a daily basis to make sure that everything is very smooth until XXXX got prompted and my account was transferred to a different officer called XXXX XXXX. They guaranteed at BOA that everything will be the same since my REP ( XXXX ) and my account manager ( XXXX ) will not be changed. 
I had so many complains about XXXX that were communicated with XXXX and XXXX and I even asked to get him replaced due to lack of communication, my complains were not accommodated in timely manner and until it was too late. 
XXXX XXXX simply mis-calculated my withdrawals due to lack of experience, XXXX and XXXX were too busy to look over the account and correct him. 
XXXX decided to put a freeze on my loan and a hold on my checking account without informing me, my REP or even his boss my account manager. Between XXXX and end of 2017 XXXX got very confused and was putting freezes on my accounts on and off almost every week and here where the damage happened, most of my payments got rejected due to confusion of the banker and caused significant credit damage, penalties, closed credit cards, multiple credit delinquencies. 
Practice solutions couldn't resolve the problem completely until XXXX of the following year and that was when they found out that XXXX mis-calculated the withdrawals amount. 
and I was charged 12 % interest during the investigation period until they found that there own employee made that mistake which was when they agreed to remove the interest and also correct the credit reporting, I spoke to multiple levels of managers in bank of America and the all agreed that the problem needs to be fixed, non contacted me back or got any close on fixing the issue due to lack of communication between departments. 
After we closed in XXXX they kind of lost interest in fixing the problems and never adjusted the interest or ever reverse the credit damage and they keep and still dragging and delaying for no reason. 
They also ran my credit on XX/XX/XXXX and XX/XX/2017 even though the contract says they are allowed to run credit every 60 days not every day. 




Attached is a my bank statement from that month showing that there was enough money in the account to cover all payments.

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 2018-03-23
Company: Innovis
State: CA
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:
These companies completed hard inquiries under my name without my authorization. I do not consent to the inquiries. 

XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX CBCINNOVIS Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX 5 Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: VA
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:
Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to XXXX via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. 
ALL of my student loans are through XXXX, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. 
Thank you, 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 2019-10-05
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The company of Weltman, Weinberg , & Reis Co., LPA have  contacted me frequently since the beginning of the month as well as my stepfather as on our personal mobile phones during our work hours. I have been making payments for my private student loans. They left the toll free number XXXX and reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: IL
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 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXX 2014 be  removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: FL
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 several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX = {$2100.00} - XXXX XXXX XXXX XXXX = ( Closed ) - XXXX XXXX XXXX XXXX ( Closed ) - XXXX XXXX XXXX = {$130.00} I also have some hard inquiries on my credit report that I did not authorize as well : XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XXXX XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Eastpoint Recovery Group, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company calls themselves East Point XXXX XXXX XXXX XXXX, looks like out of XXXX NY. 
Tried to portray themselves as attorneys, when pressed for bar numbers they tried to back pedal and said they are a collection agency that represents XXXX XXXX. 
The amount they claimed I owe was not correct and did not have all the proper information. They claimed they served me with papers, which I am a process server and I know the laws with that ... when I informed them of that they recanted and stated they did not believe they had the correct information and I never received the paperwork, uh duh! I was never served nor have received anything from them in writing. 
The people I spoke to there ( 1 female name XXXX and 1 male named XXXX ) threatened me with a judgement and " other things I do not want to deal with. '' They called a family member and claimed to be something else and she is filing a complaint against them as well for their lies and behavior towards her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the XXXX, I loaded {$18.00} as well as accepted {$5.00} from my boyfriend and aunt ( a total of {$10.00} sent to me ) onto my cash app account trying to send it to my brother in law to get me a XXXX. When I tried to send the money it declined and when I tried to resend the money to my debit card it wouldnt work. I contacted support but they said my account was closed for violating terms of service but I didnt do anything I never had a transaction above {$25.00}. I tried to load another card but then it said not supported then once I finally loaded a successful card on there and tried to cash out the money it said it could only be cashed out to the initial debit card the cash came from. Which makes 0 sense because it wouldnt allow me to load the debit card onto the account or cash out to it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage is with XXXX XXXX and their service company is LoanCare. In XX/XX/2021, I went into contract to sell my apartment and on XX/XX/2021, my attorney submitted paperwork for payoff. My apartment is a co-op apartment in XXXX XXXX XXXXXXXX, so the original stock and lease must be presented at closing in order to complete the sale. LoanCare told us they need 4-8 weeks to process the documents for payoff. We are now at the end of the XXXX week and they still don't have to original stock and lease documents for closing. My attorney and I have contacted them repeatedly by email and phone and they say the case is escalated but still open. I was also told that they now need 3 - 6 months to process a payoff, which is absolutely unacceptable, as the buyer of my apartment may walk away from this deal and I'll have to start the whole process over again. Typically, when the stock certificate and lease are lost, the attorneys will issue an affidavit of lost stock certificate and a new one is issued. This happens all the time, but LoanCare and XXXX are refusing to do this and unnecessarily prolonging the closing. Yesterday, LoanCare said they they mailed the original documents to their attorneys in New York on XX/XX/XXXX, but their attorneys say they never received them and there's no tracking number. So were the original documents really mailed or are they just giving me the runaround. This should be a simple real estate transaction, but it's turning into a nightmare for myself and the buyer. I would like to lodge a complaint again LoanCare and XXXX. Attached is my and my attorney 's correspondence with them.

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 2018-09-13
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For two years I have submitting docs to Phh mortgage to obtain modification. They just kept asking for more docs. On XX/XX/XXXX I received denial of modification because they refused to use a portion of my income and r refused to offer an opportunity to appeal. Also the desktop appraisals they keep using are highly inaccurate. I see no real report just a value that is more than {>= $1,000,000} over value I need to stop this foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, TransUnion, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XXXX XXXX XXXX XXXX XXXX XXXX these are the dates my letters went out and calls XXXX told me that my compliant was old but they received it and XXXX, XXXX, TransUnion have accounts back added as a reattach to my report once removed off

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 2019-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Chase Saving account online in XX/XX/XXXX with the promotion of {$200.00} bonus for depositing a total of {$15000.00} or more in new money within 20 business days, and maintaining a {$15000.00} balance for 90 days ( promotion link : https : XXXX XXXX XXXX XXXX XXXX XXXX ) by clicking on the " open account '', which automatically load the offer code in the saving account application. The bonus should be deposited to my saving account within 10 business days of meeting the terms and conditions. I met all the terms and condition but still haven't received the bonus by XX/XX/XXXX. I contacted Chase via online message, but was told there is no promotion code ever on the account and since the account has been opened for more than 21 days they would not be able to add the code now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

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 2021-08-05
Company: MoneyLion 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: Account status incorrect

Complaint:
For the 4th straight month MoneyLion has inaccurately reported my account as late to all three credit bureaus ( XXXX  XXXX  XXXX  ) each month a investigation is launched and is found that MoneyLion has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX as late even though that it was NEVER late and was never reported as late until XXXX ( again was already reported as paid on time and current to credit bureaus until XXXX ) this is VERY inaccurate as I have never missed a payment

Company response to consumer: Closed with explanation