BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX Last four of SSN : XXXX Last month, I missed a phone call from an agent at capital one, they left a voicemail requesting for me to call back. I was concerned at why they would be calling so I checked my account to see what was going on with it and realized my account had been restricted. I contacted customer service immediately to rectify the situation and was advised that I needed to send copies of my i.d . front and back as well a signed copy of my social security card. The first manager that I spoke with advised that if I uploaded my documents that day that I could call back and ask for a manager for them to do a live review and to release the restriction. When I called back, I was advised that they would not do a live review for me and that I would have to wait 7-10 business days. I patiently waited and never heard back from anyone. I called  again asking for the restriction to be lifted and was advised that they would not do so until they have received copies of i.d . and ssc for every authorized user on my account. I let the representatives know that they could simply just remove the authorized users from my account as I have contacted them and they were not comfortable in doing so and legally, they do not have to provide me such information as that is their personal vital information and they are not legally responsible for the account. To date, Capital One has not given me any formal reason to why my account is restricted. I have had this account with them for a year and would like to continue to utilize my account. I have done my end of cooperation but I can not provide them anyone else 's vital information without their consent. My account is still restricted and it is unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: SYNCHRONY FINANCIAL
State: CA
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:
Nearly two years ago, I worked with Synchrony Bank regarding an issue with my Banana Republic card. I had contacted Synchrony to close my card and visited Banana Republic in store, but was told multiple times that I had a {$10.00} credit on the account by sales associates and the bank and encouraged to keep it open. This {$10.00} credit was rewarded credit earned through purchases on the account. <P/>
As a result, I was quite surprised to learn in XX/XX/XXXX 2014 that I had a delinquency on my credit report. The total amount charged on the account in question was {$3.00}. I still had a {$10.00} credit on the account which was not applied and did not reduce the balance, which should have been XXXX. After interest and fees, I paid {$16.00} and was told that Synchrony bank would rescind the delinquencies from my credit report. <P/>Unfortunately, I recently reviewed my credit report and found the amount was still there. This has negatively impacted my credit by over 100 points. Prior to this incident, I had paid my card on time and have had no other issues with this card or any other credit card that I have ever owned. I also never received my {$10.00} credit. <P/>I believe that this error has caused undue hardship and has been inappropriately assigned to my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion failed to provide my credit report when requested then claimed that they had done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
An attorney filled for bankruptcy in XXXX, MA Federal court. The reason was that my soon to be ex husband was responsible for half the mortgage and was not paying his court order. We had a probate court date and found that he would not be able to pay his half. At this point the attorney advised I vacate the bankruptcy because we owed much less than what the house would be sold for We did exactly that vacated the bankruptcy It did not show up for years! I have disputed it so now states dismissed and {$0.00} balance but it shows up 3x on all credit agencies.have signed up for pacer and can not find ANY INFO!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I settled on 2 loans by XXXX XXXX XXXX XXXX but I am not sure if I own the loan, I do n't have any paper work proving I own the loan and they did not provide any information after I asked many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and received a XXXX card through XXXX/Chase. I applied for the card on XX/XX/XXXXunder the marketing advertisement of receiving XXXX bonus miles if I spent {$2000.00} within the first 3 months of opening my account. I had fulfilled the obligation according to my XX/XX/XXXX statement and I called several times inquiring when will the bonus miles be applied to my account. I was graciously told by XXXX that the miles will be applied by Chase withing six to eight weeks. When I called Chase in XX/XX/XXXX, they stated I did not fulfill my financial obligation of spending {$3000.00} in order to receive XXXX bonus miles. I explained to them the advertisement stated {$2000.00} for XXXX XXXX. I applied for the credit card on XX/XX/XXXX from XXXX and the page stated {$2000.00} for XXXX bonus miles. Apparently Chase and XXXX were running two different promotions but I the customer should not be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, INC.
State: TX
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:
I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
<P/>
Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
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:
On XXXX XXXX I paid in settlement to Chase credit cards and these XXXX credit cards were business cards and XXXX show them as in derogatory, but that is not true, because I do n't own any penny to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Better Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in process of applying mortgage through www.better.com and they asked me to sign a blanket form and told that they can not move the application until I sign the blanket form.

Please see the attached form XXXX XXXX XXXX XXXX XXXX This is the borrowers authorization form with a summary of this. Once I sign it means, that I have authorized them to access any of my data any time they want. Which could mean, they can check my credit report every day. 2. they could check my taxes every year 3. they could check my bank accounts 4. they have all rights, even after I close the account, because it is a blanket statement. In contrast to the above, I showed them XXXX and XXXX form, both of which have time limit, where it says they can access documents for 1 year or some agreed time limit between both the parties. While this better.com authorization form has NO time limit, NO mention of what documents they can access.

I tried to convince them so many times and they haven't even considered the request.

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As per Home Owner 's Protection Act the Private Mortgage Insurance will automatically terminated when the principal balance of loan reaches 78 % of the original value of the property. HPA disclosure attached from XXXX Bank ( my previous loan service provider ). 

My loan service provider confirmed that my loan is 64.60 %. 

I requested them to terminate PMI automatically as I qualify as per HPA but they refused to terminate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, 1 XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On several occasions i have called Capital One to discuss my credit account. i have never been able to complete a phone call with any representative of the company until today XX/XX/2019. I am usually placed on a hold and my call is then disconnected or when a representative does come on the line they say they are unable to hear me and disconnect the call. I have been unable to use my credit limit when below my credit line. I was able to learn from a representative of the company identified as XXXX that my credit limit had been restricted for missed payments ( missed payments which i do not dispute and have since fully paid the balance ), when i pressed on where information about the restriction could be located in the cardholder agreement i was placed on a fifteen minute hold before the call was disconnected. i then was able to speak with a representative that did transfer me to a supervisor ( XXXX  ) to file an internal complaint with Capital One about what i believe to be misconduct and avoidance by the previous representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Franklin Collcetion Services has been trying to collect on a {$650.00} medical bill ( all 3 credit reporting agencies have this debt on my credit reports ) when this was paid by XXXX and I have sent the claims and XXXX summary notices to Franklin. I also contacted the hospital who the debt was original from and they told me that they never sent a collection in that amount to Franklin.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Account XXXX closed without any answer? Except the same copy and pasted response to 1000s of other people with a different date! Have you researched this company? There is actually an attorney that specializes in this company an sues them for deceptive practices. They did not ever verify this debt in any way the first time! Thats why it was deleted. They even said in their response that the original creditor wanted to try and collect again after almost 6 years? The statute of limitations in Arkansas is 2 years for medical debt anyway. Plus if I had any medical bills in 2014, which I didnt, it should have been paid by my medical insurance. Im NOT contacting you or this so called original creditor for anything! However I will be consulting with an attorney. If this isnt resolved immediately. Im tired being harassed about this medical bill and/or the OTHER medical bills you threatened me with in the last complaint response and being a victim of unverified debt and credit damage!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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:
Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Ascendium Education Group
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX and XXXX, representing Ascendium,  falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to XXXX. XXXX. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding Ascendium. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. XXXX. XXXX, XXXX XXXX XXXX and Ascendium have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX Ascendium XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-10-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I secured a credit card from " Care Credit '' to have my wisdom teeth removed in XXXX of XXXX. The card carried XXXX interest if paid by XX/XX/XXXX. That date of no interest was increased to XX/XX/XXXX. The card/debt was PAID IN FULL on the XXXX of XXXX. The company continues to call me ( 4-8 times  DAILY ) to make demands of interest charges ... that total even more that the original use. The card was used ONCE, XX/XX/XXXX, for the removal of my wisdom teeth. It was then destroyed. I contacted them ( Synchronity is their 'financial ' hound ) and told them the card had been destroyed. The charges continue to accrue. I have all the emails from both Synchronity and myself stating that they would drop all interest charges if paid by XX/XX/XXXX. Today, they have finally replied to an email of last week saying that there is some confusion and they won't drop the interest 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 monetary relief
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: LA
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 CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
<P/>
Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks

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 2019-10-18
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the year XX/XX/XXXX, Mr. Cooper has applied the following legal paid expenses to my mortgage account : Statement Date : XX/XX/XXXX Legal Fees : {$370.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Property Inspection : {$15.00} Property Inspection Fees : {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX, - {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX. 
Statement Date : XX/XX/XXXX Legal Fees {$370.00} Property Inspection : {$75.00} Principal payment : {$0.00} Statement Date : XX/XX/XXXX Lender Paid Expenses : Total {$450.00} Statement Date : XX/XX/XXXX Legal Fees : {$8.00} Lender Paid Expenses : Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$440.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - Lender Paid Expenses {$440.00} Statement Date :XX/XX/XXXX Property Inspection on XX/XX/XXXX :  {$15.00} Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Legal Paid Expenses : {$450.00} Late Fees Charges applied 4 times on XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Property inspection : {$15.00} Legal Fees : {$280.00} Maintenance : {$75.00} Total : {$370.00}

Company response to consumer: Closed with explanation