BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to CFPB complaint XXXX XXXX XXXX XXXX XXXX a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from Capital One N.A. A direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Because XXXX XXXX XXXX does not believe that a consumer can be aware of their rights under federal law they have assumed and falsely claimed attorney retention. At this time I am acting pro se and have enacted my right to refuse to pay this debt buyer. XXXX XXXX XXXX XXXX has been contacted by certified mail ( 3 ) times the last being XX/XX/2021 and have not once provided the information proving I am contracted to pay them an alleged debt of {$1600.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. Capital One Bank illegally gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank N.A was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
MONEYGRAM REFUSES TO ACKNOWLEDGE OUR CLAIMS THAT WE WERE VICTIMS OF A FRAUDSTERS TRIO WHERE IMPOSTERS POST ADS ON XXXX AND BAITS AND HOOKS VUCTIMS ARE THEN SENT TO XXXX   MONEY SERVICES AND DIRECT TO AGENT TO WIRE TRANSTER MONIES TO SCMMERS. 

XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payments are set on automatic and have been since the day i got the mortgage. 
The bank is bbva/compass, the money normally comes out of my XXXX checkings account and gets paid to my bbva mortgage on the first of the month. 

All of this happened in XX/XX/2021. 
On the XXXX I noticed the money had not been with drawn, so I called. They stated everything was ok. 

On the XXXX I looked, the money still had not been with drawn. So they had me make a payment and said that they will reset up automatic payments. 

On the XXXX my checkings account shows that they with XXXX the normal monthly payment {$2600.00} On XX/XX/XXXX I received an e mail stating that I am over due for my mortgage. Additionally I was locked out of my account ( apparently for being over due, I am not sure ). 

I spoke to many people on the phone at bbva, they could not locate where my money was for the XX/XX/XXXX payment, and for whatever reason it felt like they couldnt see my checkings account if they are in the mortgage department despite it all being the same bank. Also they couldnt unlock my account. 

They asked that I make another payment, just so I dont get any over due or missed payments. So i did, on XX/XX/XXXX I made another payment of of {$2600.00}. 

They didnt know where my first payment went, DESPITE it coming out of their own checkings account. I spent about 9 hours on the phone with the bank, i was disconnected and not called back 3 times. This bank is terrible. 

After I got my account unlocked and i showed them - look i made a payment XX/XX/XXXX. They still didnt refund my money, they are making me wait while they do an investigation. What kind of bank does this? They should have fixed it first, it is their mistake. 

I have pictures of everything, including my payments and my over due e mail. Also the late fees i incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midwest recovery Systems has tried multiple times to collect on medical bills that were paid-in-full back in 2014. Last fall I initiated a dispute through CFBP which resulted in Midwest Recovery Systems responding that the debt was invalid and all reporting agencies would be notified. See attached copy of report in the CFBP system. Now Midwest Recovery Systems is again trying to collect this same debt that they acknowledged was invalid. This really is unethical and needs to permanently stop. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Personal information incorrect

Complaint:
My brother ssn got mixed with mine in result, countless report item that belongs to him are under my ssn

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 2018-04-03
Company: BARCLAYS BANK DELAWARE
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: Problem with rewards from credit card

Complaint:
XX/XX/XXXX I requested a new Credit Card " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in XX/XX/XXXX. One of the benefits I valued was Trip Cancellation/Interruption insurance up to $ XXXX.per event, {$10000.00} per year. In addition, all purchases accumulated XXXX points for every dollar spent. ( XXXX ) I have used the card extensively, payments were automatically deducted from my bank account ( auto-pay ) and my credit score has been around 800. 

On XX/XX/XXXX, I contacted the bank and, given my good standing, asked for a waiver of the {$89.00} annual fee. The gentleman instead offered a NO FEE card, especially since almost all my charges were for travel and dining expenses. He stated explicitly that this card would fit since the only difference from the previous card was that, " XXXX points would be given for Travel and Dining expenses '' en " XXXX point for all other expenses. ALL OTHER BENEFITS WILL REMAIN THE SAME ''. I heard him say that more than once. 

We agreed to proceed. I could continue to use my other card until the new card arrived and was activated. 

On XX/XX/XXXX, I received the new card in the mail. ( XXXX ). The name was changed to " Arrival ''. The card had a sticker asking to " Activate your card now at .... '' I did not activate the card but first verified the insert and benefits. THE BENEFITS WERE DIFFERENT. The travel protection was reduced to {$1500.00}! 

I contacted the bank immediately and today informed me and they have already switched me to the new card program and are unwilling to allow me to go back to my prior card and benefits. They claim that procedure was followed. I vehemently contest that statement. Is it proper procedure to misrepresent the benefits? 


Here are the reasons for my complaint : : 1. The agent did NOT disclose that the benefits for travel insurance would be reduced. To the contrary, he said that all benefits would remain the same. 

2. When the card arrived, it had to be activated to become valid, which I did not do. 

3. It was my understanding that the new card would become active AFTER I had activated it and that at that point the previous card could be destroyed. He did not say that I would be switched IMMEDIATELY that day of XX/XX/XXXX to the new account. Moreover, how can anyone agree to misrepresented verbal information which turns out to be materially different from the written information received in th mail. How could, it be that a consumer has no recourse after seeing information that was different than what was promised? One has usually a few days to decide AFTER the pertinent information has been provided. 

This is the second time in a year that I have to file a complaint for misrepresentation of facts by Barclays.

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 2020-08-24
Company: Bread Financial Holdings, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2020 I went an evaluation at Smart Shape body clinic located in XXXX, Florida. 
I was evaluated by XXXX and at the end of the conversation she asked me if I want to see if I qualify to finance the procedure. I agree she went and filled the qualification forms for me. She never said my account will be charged right away and not after the procedure and I did not expect that either. 
I made an appointment but unfortunately, I could not go forward and have the procedure done due to family matters. 
I contacted the company Comenty Bank and I explained I have no procedure done and been told me I have to contact the office and talk with them first. 
So, I did. I talked with XXXX and she said she will solve the issue but will take up to week before she can investigate, and she will contact me and let me know.She did not returned to me.I concatenated again Comenty Bank after to contest the charge .They said i am charged because I didn't show up for appointment and they had me scheduled. 
In order to have a procedure done you need to have XXXX XXXX   done and for a XXXX XXXX  patient need to have a XXXX   .Few day before I got the phone call I called the office as I had a question about the testing. 
The office manager did the application for me to see if I get the amount needed to have the procedure. I didnt expect to be charged when no work was done. If I have to use any credit card, I pay for a service reentered. NO credit card will charge and deliver the goods 3 months after. 
I was out of the country and have no international plan in my phone. This day who needs it when we can talk international using other methods that are free, such as XXXX, messenger etc. This been said I have been able to get any phone calls from the US I  had been to XXXX  clinics before and been charged for an appointment a deposit of {$50.00} not {$10000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Identify theft social security XXXX some ones stealing from my accounts from the usbank department.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My uncle died last year. He had a balance on his home equity loan which I have been paying the monthly charges on while the courts were working on approving his estate. In XXXX I received Orders of Summary which I sent to the Bank of America Estate Department via email ( Ironically the BOA rep gave me the case worker 's PERSONAL email address. ) When I did not hear back I called and spoke to the rep. I completed the paperwork provided and gave instructions that I wanted to pay-off and close the HELOC. I did not hear back and subsequently the house was sold. On XX/XX/XXXX I contacted BOA to get wire transfer instructions and a pay-off amount. ( Almost all their branches were closed in FL due to the pandemic. ) Rather than given wire instructions I was provided the address of XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX TX XXXX Mail Code TX XXXX. I sent a cashier 's check for the pay-off ( {$23000.00} ) along with a copy of the Orders of Summary and asking for a mortgage satisfaction and a closure of the account. I was also told to fax my request. I did that on XX/XX/XXXX and received notification that the fax was successfully transmitted. Since the loan had not been paid off I also sent another {$130.00} personal check to make sure the loan would be paid off and the mortgage satisfaction received. 

I have waited on hold at least 10 times ( once for 1 hour and 54 minutes, anther time for 2 hours and 10 minutes ). I have been given multiple case numbers and yet the cashier 's check has never been cashed and the loan is now past due. I even posted on XXXX that I needed assistance. BOA indicates they are prioritizing this issue but no one calls me back or emails me. I did receive a form letter in the mail staying they received written communication and will provide a written response of their findings. 

BOA keeps telling me that their conversion did not " go well '' but I'm sorry this is ridiculous. My uncle 's home is being sold at the end of the month so I am having to have the HELOC paid from the proceeds.

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 2021-10-31
Company: EQUIFAX, INC.
State: PA
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 the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow XXXX XXXX well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSWORLD SYSTEMS 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: Their investigation did not fix an error on your report

Complaint:
I've been disputing a collection account with Transworld System Inc for an entire year. I began sending written communication to them XX/XX/2020 & every XXXX after that until XX/XX/2020. To date, I still have not gotten a single response. I notified them that I'd paid my final bill with the original creditor XXXX XXXX XXXX XXXX XXXX Co XXXX before relocating & asked for verification of this debt. After sending multiple requests with no response, I sent several requests for them to remove this collection account from my credit report. Initially it was only listed on my XXXX credit report. Transworld Systems Inc has not only ignored my requests for deletion, they've now taken it a step further by adding this collection account to my XXXX XXXX XXXX credit reports causing further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: UT
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 have been disputing a very serious error on my credit file and the company - XXXX XXXX and Experian has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from XXXX XXXX It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company. 
Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase. 
My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with XXXX XXXX which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company. 
When we dispute with XXXX XXXX they say that they are not reporting as a mortgage to Experian. Experian says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.

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 2020-07-06
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.

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 2020-08-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to XXXX   many times and i get no response. This is very disturbing for I am XXXX XXXX XXXX and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need XXXX to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to Equifax where I was able to get a free copy of my report

Company response to consumer: Closed with explanation