BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
While on vacation with my grandson Capital One " Restricted '' my credit card. They indicate that they have a concern that there is fraud on the account. I have verified that I made all of the purchases that are pending on my card. I have provided information to Capital One over several days taking several hours. I have authorized a withdrawal from my bank account to pay the charges that they allege are fraudulent or " suspicious. '' Within 24 hours the charges will have been both confirmed as being made by me and also paid by me. 

Capital One has indicated that it will not take the restriction off of my card until I provide them with a copy of the front and back of my driver 's license. I have refused to provide this information. I have pointed out that several of the charges they see as suspicious as being fraudulent required me to present my physical charge card AND by drivers license. Specifically several charges of concern to Capital One involve hotel charges and a rental car. Remember, these are charges I have confirmed that I made. These are also charges at locations that I have visited on vacation in the past. 

I have pointed out to Capital One representatives that I keep my credit cards and my driver 's license together. If someone stole my credit cards they would have to take a bag that I keep the cards in. In doing so, the thief would also have my driver 's license. 

This is not about a concern over fraud on my card. This is an effort to mine for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: FL
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:
I already have two XXXX XXXX branded cards so I had no need for a third. However, I am a frequent flyier and in XX/XX/2019, I accepted an offer to take out a Citibank Executive AAdvantage Card with the large {$450.00} annual fee because the contract guaranteed me free access for one year to their XXXX XXXX XXXX. However, all the XXXX XXXX are currently closed ( including the one here in my home base of XXXX ) and 90 % of their flights are not flying anyway. They have announced that the XXXX XXXX ( which were often packed with people at the best of times ) are unlikely to ever reopen with the kind of at-will access for which I paid {$450.00}. 

I have called Citi three times trying to get some sort of pro-rated refund based on the months I have remaining on my contract -- but Citi 's position is they are entitled to keep the entire fee. This seems like a blatantly unfair rip-off for a service they promised but are unable to deliver.

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 2020-04-28
Company: JPMORGAN CHASE & CO.
State: OR
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:
I have been disputing and going back and forth with Chase 's Amazon Visa card service for a few months now. I contacted the company to alert them of a charge in the amount of {$1000.00}. I made them aware that my identity was stolen and that I am a victim of the XXXX  Data Breach. I have sent emails which include a copy of my identity theft filed by the Federal Trade Commission and they still continue to state that the debt is mine. I am not disputing any other transaction on my account, only the one that I didn't make. This charge is a result of identity theft. Someone used my account to purchase tickets in my name through an airline called XXXX  XXXX XXXX. I have never heard of this airline and have never flown with them. I am simply taking measures to get the transaction removed from my account. Please make the adjustment and residual fees on my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Discover Credit Card - Minimum payments have been made for years but the balance does decrease. I have called numerous times either the representative has a hard time explaining or the explanation never makes any sense. Today XX/XX/XXXX I am on the phone with a representative who can not explain it and had to get a supervisor. 

When minimum payments are made Discover practices does not pay all of the interest with the payments. Then they take the unpaid interest and roll it back into the balance. 

Understanding it's a different rate for cash advances and purchases. One example ; they lowered our interest rate on XX/XX/XXXX ( without notice ). This sounds great but they create another account. They then apply the payment to the lowest interest first and lowest balance first. At times the interest is not covered for all so they add the rest into the current balance. 

Another practice is that at some point ( not sure when ) a lump sum interest charge is added. They state that since all the interest was not paid it required a lump sum interest payment. This was also added into the balance. 

My Grandmother is the original holder of this card and now I am secondary. This is a predatory practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: TCF NATIONAL BANK
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today is XX/XX/21. I am a military member currently serving XXXX in XXXX. I deactivated my debit card and ask to get sent a new one. The bank refuses to sent me a new card XXXX, forcing me to create a new bank account here in XXXX. After doing that and start a transfer of money over to my new bank account, the money transfer process got suspended because they thought it was fraud. I called and found out that they froze my bank account. I can not do anything, transfer the money anywhere unless I come into the bank. Which I told them I can not do that, and then they told me I have to write them a notarized letter saying it was me. I could've easily verify it is me over the phone like any other bank, and even offered to sent them an email with a picture of my IDs using the email that was on file. They would not accept. Their forcing me to go to a US Embassy to get my letter notarized or Im not gon na be able to spend and use my money. Now I am stuck with no money to even buy food and have to wait for a letter to be sent and get it notarized. The service is incredibly rude and unhelpful and the bank will not do anything to help an active-duty service member. It would be easy if I was at home but I left in order to serve this country and risk my life. And now they are making things more difficult and I cant even pay for my own food.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Chrysalis Holdings LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I pay my Mortgage by direct debit monthly. My last payment came out on XXXX XX/XX/2018. I noticed as of XXXX XX/XX/2018 my payment has not been withdrawn as usual so I called XXXX XXXX XXXX to provide me an explanation. The informed me my mortgage has been sold to XXXX XXXX. I was not informed of this action at all. I was told a letter was sent out but i never received such a letter. I would like New Day to give me an explanation in writing on why i wasnt informed that my mortgage lender had changed. I would also like information on my new Lender to provide them the new direct debit info. I attempted to call them but all they wanted to do was quote me a bunch of legal mumbo jumbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: OH
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:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. These unverified accounts affects my scores badly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 sec 602 states I have the right to privacy. 15USC1681 sec 604A it also states that consumer reporting agency cant furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX - XXXX XXXX reported late payment in the amount of {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX  reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - Capital one reported a late payment in the amount of {$42.00} XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$42.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Reference my prior CFPB complaints ... Discover Card has not only failed to close my account they are illegally and fraudulently and without my permission monitoring my loan activity through other banks and financial institutions. My attached documents will show evidence of this illegal and fraudulent surveillance/monitoring of my loan activities by Discover Card since my last CFPB complaint XX/XX/2018. My attached documents will show evidence of this illegal and fraudulent harassment via " alert '' emails and texts by Discover Card since my last CFPB complaint XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2022-12-18
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I received a bill from XXXX in my name in the amount of {$81.00}. I do not have or applied for an account with XXXX. When I called to inquire about this bill a recording asked for my account number which I do not have. I was then asked for my social security number and I hung up without providing my SS #. On XX/XX/2022 I received another bill in my name with late charges. I have been receiving telephone calls that I not answered from Comenity Capital Bank who is affiliated with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello I just visited US Bank on XXXX XXXX in XXXX XXXX Im very upset because I tried to open an account online and it said it would be successful pending identity verification I came to the place in person and a security guard was very rude following me around and once I talk to the bank teller she told me that I had an account closed on XXXX Of 2021 the bank teller was very rude and they refused to open an account with me she refused to provide an account number and I will not recommend this to any of my friends

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 2021-10-19
Company: EQUIFAX, INC.
State: SC
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 and XX/XX/2021, I reached out to Equifax to inform the company the my mortgage lender was having issues pulling my Equifax report. There is no issues with XXXX and XXXX. After several conversations, they stated that my report did not have freeze, but I'm still unable to pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to CFPB : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) To Whom It May Concern, RE : Focus Financial, attention to XXXX XXXX Collection Manager Direct Line : XXXX Fax : XXXX Under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA your company refused to do anything that I requested. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question.

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its repor tin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
We use to live at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I moved out of the state of Florida after my lease was up. I have never payed late or left an outstanding balance with XXXX XXXX. In XX/XX/XXXX, I saw a negative account added to my credit report and it was from XXXX XXXX  ( original creditor XXXX XXXX XXXX. I tried to reach out to apartment management company and they refused to send me documentation to prove the outstanding balance, even though when I left my documents showed a {$0.00} balance. I tried getting proof through the credit bureau 's, and they are verifying the account however not showing me the proof of verification.

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 2021-07-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MrCooper engages in misleading business processes in processing customer mortgage payments. When my mortgage was transferred to MrCooper I made my initial payment/interest payment on XX/XX/2021. MrCooper sent me a notice that I could initiate automatic loan payment procedures. I establish the automatic loan payment and MrCooper within days took another payment from my checking account. Thereby I had paid principal and interest through XX/XX/2021. On XX/XX/2021 MrCooper made another automatic payment from my checking account, effectively taking my principal and interest payment yet another month in advance through XX/XX/2021. 

On XX/XX/2021 I engage MrCooper support personal and asked for a resolution, stating I think it unfair that MrCooper take advance payments and hold my money for months in advance. MrCooper personal offered that they would within 24 hours apply the XXXX interest to principal, which I accepted. On XX/XX/XXXX, I used MrCooper on line chat feature and the MrCooper representative said the transaction would be applied with 24 to 48 hours of the date the request was made. On XX/XX/XXXX, I again engaged MrCooper and they said the transaction would be completed within 5 to 7 days of when I had made my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Common Wealth Mortgage Services
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX Intercap Lending through it's agent XXXX XXXX submitted an unauthorized credit enquiry without my consent/approval. The Agent XXXX XXXX was explicitly told not to authorize any credit inquiry prior to my approval yet she went ahead and performed this inquiry impacting my credit score The company details are below : Intercap Lending Home Loans and Refinance XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, UT XXXX

Company response to consumer: Closed with explanation