BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I tried to use XXXX with my bank Capital One to send funds to my daughter. I entered my daughter 's email and XXXX accepted it and took money out of my account. Afterwards it realized that the email address was not registered and now it will take 3 days before the funds are transferred once the email address is registered. How about they check the email address before taking the money from my bank account? 

When I called to cancel the transfer and get my money back so I could use another transfer service they said it was not possible to cancel the wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX and Experian have a XXXX 's XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE JUST SPENT A WHOLE HOUR ON THE PHONE WITH TRANSUNION TELLING ME THAT THEY NEVER RECEIVED MY PAPERWORK REGARDING A XXXX  REPORTING ON MY CREDIT FILE. I WAS THEN TOLD TO UPLOAD THE DOCUMENTS WHICH COME TO FIND OUT, MY ONLINE ACCOUNT THAT THEY TOLD ME TO USE DOESN'T ALLOW ME TO UPLOAD AT THIS TIME. I'M BEYOND UPSET DEALING WITH THIS ISSUE FOR OVER A YEAR.

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 2021-11-03
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: Their investigation did not fix an error on your report

Complaint:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Experian Information Solutions Inc.
State: MA
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:
The company XXXX XXXX sent a request to suppress an unauthorized inquiry on my credit report to Experian on XXXX XXXX 2020. That inquiry as of the wrong of this complaint has not been suppressed

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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2020-12-02
Company: TRUHOME SOLUTIONS, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TruHome solutions XXXX XXXX and XXXX XXXX were working on our loan application. During this process they repeatedly asked us to sign documents that were not accurate. They did not reflect the true closing costs or interest rate. When we requested the documents be updated they told us " it doesn't matter it's just signing that you saw a document ''. Honestly, we're not sure if they were just lazy, or if there was an ulterior motive to defraud. Either way the process stretched on for months, with TruHome solutions XXXX XXXX requesting either the same documents they had already received or additional documents the underwriters requested. TruHome solutions has been our mortgage holder for 4 years, they know our history. Each time she blamed it on Covid delays, but accurate documents are not the victims of Covid. I think someone needs to investigate why employees of a lender are telling consumers it's ok to sign a legal document that does not accurately reflect the agreement for loan terms and conditions. 
We started this process in early XX/XX/2020 and were told it would take approximately 3 weeks. We were told we were approved XXXX XXXX. We sent all requested information in and then things started going wrong.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12
Company: Wilber and Associates, P.C.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My youngest grandson had a car accident with his XXXX XXXX XXXX pickup and was not insured so XXXX insurance company was trying to collect money they paid out to fix the other vehicle. My problem is because I had cosigned for my oldest grandsons pickup that is a XXXX XXXX XXXX XXXX insurance some how got the wrong pickup involved i guess because of their last names being the same. I don't know.. and then that got my name involved. I know XXXX was sent both vend numbers so they could get it straightened out. Since then they have turned it over to Wilber & Associates, P.C. out of IL I have spoke to them twice and explained the situation and thought i had it taken care of but since then they have called about 6 or 8 times but have only spoke to them once because they call from a number that you can not call back.I only want my name off of this debt collection since I am not involved in anyway with this vehicle. It all began XXXX I have a file number of XXXX & client claim number XXXX the last time I spoke to them the lady said that they were going to move forward with it whatever that means I am XXXX years old and do not need this harassment in my life..

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 2021-11-03
Company: EQUIFAX, INC.
State: FL
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a complaint regarding Experian. When I log into my Experian account, the web page shows that my credit report is unlocked. But when a mortgage refinance company attempts to check my Experian credit file, they get a message indicating that my credit file is locked. I have tried multiple phone numbers trying to reach a human to get a resolution without success. When calling the phone numbers available, I am directed to submit an affidavit to correct the problem- what problem? My credit file is shown as unlocked but evidently it is not. What do I submit? This is costing me $ XXXX/month because I can not refinance a VA loan as a Veteran. This is simply unacceptable. 

This is the second time I have run into this problem with Experian. Why not provide a number so I can reach a human and find out what is wrong????

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 2021-03-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent my initial request for investigation for inaccurate and erroneous errors which shows FCRA and FDCPA violations on my report for investigation. When updated report on XX/XX/2021 nothing was done and had not received any investigation results or recognition that an investigation was being conducted. I am aware that due to the pandemic 60 days is required for an investigation that is why I sent additional letter requesting if the Bureaus went passed 60 days that I would be filing a complaint because they have yet to investigate this information or show proof that they are in compliance with the FCRA guidelines. Being that they have went beyond the time allowed. I am requesting a FULL DELETION of the items presented on the initial investigation immediately! No more time being allowed. REMOVE IMMEDIATELY please have some dignity and do what's right to honor your consumers and follow FCRA guidelines. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: WELLS FARGO & 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: Didn't receive advertised or promotional terms

Complaint:
Completed the product change process with Wells Fargo to change current credit card (XXXX XXXX Visa) to a different credit card (XXXX XXXX XXXX) offered. Spoke with agent about doing product change versus applying new and based on the discussion thought that because Wells Fargo chooses to do a hard pull against credit bureaus along with closing down your current account to establish a brand new card account with no history or carryover, that it would result in brand new promotions being applied. It’s the equivalent of applying as a new application and yet does not appear to come with any of the new account perks and only negatives.I asked the representative during the product change if the bonus points would apply and based on the textbook response thought that it was implied that they would. There may have been a breakdown in communication between us.

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 2019-10-22
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan out on XX/XX/19 for {$1500.00}. While the high interest was disclosed, there was no amortization schedule to show how the loan was to be repaid, the amount of each payment, or the total that would be paid including interest if the loan was paid as scheduled. I tried to take a lesser amount than the offered {$1500.00}, but their system automatically sent {$1500.00}, even though I had only asked for {$800.00}. The bi-weekly payments are criminally large and set up in such a way as to try to get borrowers to take another draw and end up in a cycle of borrowing/constant repayment. As of XX/XX/19, I have paid approximately {$1000.00}, and I still owe {$1500.00}. I would not have taken this loan had everything been laid out clearly, so I could easily see how long it would take to repay and what my bi-weekly payment amounts ( which are not the same every time ) would be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 HAVE TWO CREDIT CARD ACCOUNTS AND BASICALLY I HAVE BEEN IN A BATTLE TRYING TO GET THE DUE DATE CHANGED IT TOOK CAPITOL ONE 0VER 6MTHS UPON SEVERAL REQUEST TO CHANGE DUE DATE, MIND YOU 1ST REQUEST FOR DUE DATE CHANGE.. I HAVE REQUESTED AT TIMES TO HAVE THINGS AUDITED ON MY ACCOUNT- I WAS TOLD THEY WOULD AUDIT MY ACCOUNT AND THEY STATED THEY WILL THEN NEXT WEEK WHEN I HAD TO CALL THEM THEY TELL ME- WELL I DONT SEE THAT REQUEST, LIKE THEIR COMMUNICATION, FEES, INTEREST IS TERRIBLE- cAPITOL ONE WAS ALRIGHT BUT THEY HAVE GOTTEN RIDICULOUS AND TERRIBLE WITH FEES/CUSTOMER SERVICE YOU NAME IT! THEY XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered an inherent problem with the credit reporting system that this agency needs to change as innocent consumers are regularly being punished for doing nothing wrong. Two things happened this year that uniformly lowered consumers credit scores when they did nothing wrong and in essence changed and did nothing. XXXX changed banks and XXXX went out of business. I had a XXXX balance on my credit cards when those things happened and a record of 100 % on time payments when I did charge. Yet in both instances my credit score went down 5 points. These need to be reported differently so consumers arent punished because a business goes under or changes banks. Its appalling and outrageous that a good citizen gets punished when doing absolutely nothing wrong! 
Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have attempted to open both a personal checking ( within the last year ) and a business checking account as recently at XX/XX/19 on both occasions the accounts were opened by XXXX XXXX   representatives and on both occasions, the accounts were opened then immediately closed followed by erroneous letters with Chase letterhead that gives you no explanation other than checking with the three reporting credit bureaus. 

In the second attempt like the first the reps are cryptic in their approach and only give yur word and warning that " the account that was opened will be discontinued and closed immediately '' nothing more nothing less. 

It is important to note that I owe nothing to Chase Bank ... an have separate accounts at XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX that are both in good standing. 

This bank is egregious in its behavior and seem to have some sort of prejudice to certain clients and should never be allowed to take monies and open an account only to close it with absolutely no explanation whatsoever except some erroneous letter that states that they made the choice with no explanation or cause whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i had $XXXX added to my paypal account on monday XX/XX/17 and paypal refuses to release my money to my account after telling me everyday what i have to do to receive it which ive done everything and they still will not help me receive my money everyone ive talked to have lied to me just enough to get me off the phone or hang up on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: ERC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: MD
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: TX
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:
I have been attempting to repair my credit for the past 6 months and my attempts through Equifax has caused and continue to cause emotional and financial injury. Early on in the process they claim that they couldn't accurately verify my identity. The security questions that they asked me isn't any of my information. They requested that i send in documents to prove my identity. I sent the documents in 2 months ago directly after I spoke with someone over the phone. Now today, I attempt to pull my credit report again and im still having the same issue. NONE of the security questions apply to me. Evidently my report is crossed with someone else 's or someone is using my social security number. I am on hold as I'm typing this and i've been on hold for an hour and 30 min trying to rectify this exhausting situation. I have asked to speak to a supervisor and they keep telling me the supervisor is on the other line. I ask to speak to another supervisor and they say that ALL of the supervisors have been on the other line helping other customers ... For an hour and 30 minutes. This XXXX person that i am speaking to continue to place me on hold and continue to disregard my requests. I can't properly dispute the items on my credit report if i can't gain access to my credit report via Equifax. Equifax is the only CRA that is giving me problems. I don't have this issue with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Bank of America card. Made 1 purchase. Made a payment-got a letter a week later that my bank reversed the payment. I confirmed that my bank did not reverse any payment and in fact BOA did not attempt to take a payment at all. This has now happened 4 times. I call a live person at BOA to confirm my account information and they process another payment, give me a confirmation number, then I get a letter a week later, my bank reversed the payment. I have several thousand dollars in my account and BOA has my correct payment information. BOA is not taking payments and then tacking on late fees and reporting me to the credit bureau. I have excellent cred and this is affecting my credit, costing me fees, causing me extreme stress, and I am spending a ton of time on the phone with BOA and never get anywhere. It appears that I have not made a payment in months!! I am at a loss and have never had this problem ever! I feel this is intentional and fraudulent to get fees out of me and the problem is not me. I just want to pay by bill! 

I recorded all calls with BOA

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