BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was injured and I couldn't not work for 2 years so i missed my payments and then I got back to work and for the last 3 years my payments were current. I had to file for bankruptcy protection even though I have been paying my payments for the last 3 years timely. I have asked Fay Servicing to provide my payment information history on the charges and credits and they sent me someones else 's information. My attorney asked for my information and they have yet to provide it still waiting after XXXX weeks. My lawyer returned the paperwork to them and we are still waiting for the correct paperwork. I have a property that I am selling that will bring me current with my payments, however, Fay Servicing still wants to auction off my house before XXXX time, not allowing me the chance to see close on my property which is under agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a mail solicitation from American Express on XX/XX/2020. I started calling American Express on Tuesday, XX/XX/2020 to correct the address/ data discrepancy associated with this offer for a financial product. 

I spoke with seven people on XX/XX/2020 after several extended periods on hold. One person provided me a phone number of XXXX to call which turned out to be a sweepstakes redemption number! The only response I could get was to write a letter to the American Express home office, and they provided the corporate street address. 

the other remedy they offered was to block my address from receiving additional mail from American Express, but that will not solve the problem. The issue is that a company, " XXXX XXXX '' is associated with my mailing address on a marketing list used to provide a firm offer for a financial product. I have requested that this be corrected per the FCRA and FACTA guidelines, but American Express has no dispute line or correction center to facilitate this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: CITIBANK, N.A.
State: WI
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:
Never signed a contract to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off a balance transfer. Chase did not allocated my payments to my balance transfer. This resulted in overcharges and additional interest at Chase 's benefit and my loss. I contacted chase in XXXX. They verified it was a mistake. I was told the account would be reviewed and fixed in 14 days. It was not. This month, I still was charged. XXXX, from XXXX, XXXX stated I had to pay purchases off too, incorrect. I now believe I have been overcharge from the date of the transfer. I am requesting a review of my account from the date the balance was transferred to date and how the money was allocated. I'm requesting my account is refunded the interest and the amount I was overcharged. I was told today, XX/XX/XXXX and XXXX from XXXX was confused about the balance transfer rules and disregarded my concerns and suggested I still owed. She would not transfer me to another person to resolve it. She was determined to not review my account in depth and gave me knee jerk reaction and inaccurate information in which she totally did not know the rules to balance transfers. In the meantime, I, the customer is at a lost. 
I am recurring debt that was paid off. Chase - Amazon has cause damage to my finances and credit reporting is inaccurate. Chase refused to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account is not mine and it keeps getting put on my credit report. The account is in the name XXXX XXXX and my name is XXXX XXXX XXXX, I called the Debt collector and they told me the name the account was in, the company that had original account was XXXX XXXX. However, the the debt collector PDQ Services keep putting this account on my credit report after I have disputed it many times. XXXX XXXX is my Mother, who is now deceased and when passed in 2014 and was in her late XXXX 's.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
This is a formal complaint against Capital One XXXX  XXXX 1.5 % cash back credit cards. I believe that Capital One Credit Card practices are unfair and out of touch with real people. Apparently, the algorithm that was set up and being used by Capital One to automatically approve or deny a consumer 's request for a credit limit increase is unfair and flawed. I have been trying for three years to get a credit limit increase above my current {$1500.00} and have been rejected by Capital One almost 10 times. I have a credit score of XXXX or more, make over {$200000.00} annually, and make all of my payments 100 % on time, but I can not get a credit limit increase from Capital One, not even for {$500.00} additional. Among the lame reasons for rejection is that I haven't used the credit card enough to warrant an increase. This is false, because I use the credit card everyday. And since I can't get a credit limit increase, I can't use the credit card to make bigger purchases, just small purchases. 

I contacted Capital One today on XX/XX/2021 and was told by an Account Executive at XXXX, Florida that there was no one or no actual person that would be able to assist me to make an assessment to increase my credit limit and override the established process, and that the approval/denial process is automated and can not be altered. 

I want to know how many requests for credit card limit increases have been processed by Capital One, what is the percentage of those that have been approved or rejected, and what are those consumers ' credit scores and salaries? Because, I don't think I'm being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Valor Intelligent Processing, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, XXXX XXXX assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from XXXX  XXXX  regarding this account that has been verified as a fraud. XXXX  XXXX has since passed the account to Valor Intelligent Processing. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, We XXXX and XXXX XXXX have tried unsuccessfully to come to a resolution in order not to lose our home. We have been in close communication with SPS explaining why our mortgage fell behind but we are still receiving letters indicating there are no available options to assist us. XXXX XXXX has been gravely ill over the past few years and I have attached his medical records showing the dates of all of his medical conditions. ( XXXX XXXX XXXX/XXXX  XXXX XXXX ) I have also attached a letter of hardship to this complaint which explains more in detail. We were placed on a forbearance agreement in which I XXXX XXXX XXXX worked very hard to make all of the required payments up until XX/XX/2019 which is when my mother passed and I had to utilize all available funds including my mortgage payment in XXXX to attend my Mother 's funeral. I have also attached a copy of my Mother 's Obituary that includes the date of her passing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CL Holdings LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, Jefferson Capital assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from Jefferson Capital regarding this account that has been verified as a fraud. Jefferson Capital has since passed the account to XXXX XXXX XXXX. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.

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 2019-06-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 XXXX XXXX was paid in full. I received a paper from them stating that I have a XXXX balance with them and I have certified copies from the court house stating the judgement was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed some items on all 3 credit bureau XXXX deleted them all but Transunion and XXXX have a few still on there and wont remove them 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 2021-03-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, SANTANDER  CONSUMER USA opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} STATE XXXX {$2500.00} COMNWLTH XXXX {$780.00} STATE XXXX {$9300.00} STATE XXXX {$2600.00} XXXX {$30.00} XXXX {$690.00} XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I was traveling home from XXXX  to XXXX and started having car trouble. Had to call a tow company and book a hotel as my XXXX kids and I were stranded. Shortly after Chime closed my account with no explanation with over {$800.00} in it. Now Im in a city I know nothing about with my XXXX children and we all have Covid with no money source. I tried calling but the automated system wouldnt let me get pass to speak to a representative. I emailed them 5 times with just a general response received twice! Still no explanation as to why or will they send me a check via mail. My rent is past due, I have no funds and chime wont even give me my funds back or an answer. Ive been with them over 3 years with no prior issues. I receive my child support payments and ctc funds via this account. Ive emailed them my picture ID, my social and a bill assuming that will fix the issue. Still no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates calls me on almost a daily basis trying to collect a debt that is way past the statute of limitations on debt. I have asked them to stop calling me and told them that I have no intention them of paying a debt that is past the statute of limitations, especially when the debt was sold to them from a credit card company. I am not going to pay them for a debt that I never signed an agreement to pay them for. The debt was with a credit card company several years ago, not with them. I have explained this and asked repeatedly for them to stop calling but they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My current address shows as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. It should be XXXX XXXX XXXX, XXXX XXXX, XXXX, CA 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 non-monetary relief
Consumer complaint received 2019-01-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I put in a request to lower my interest rate on my house. I have been with this morgage company for years and they always say my credit scores want high enough, then i got my credit score at the amount the company ask, then the next step was had to much debts.

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