BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2018, my wifes Capital One Mastercard credit card was stolen in XXXX, XXXX. We called Capital One immediately and cancelled the stolen card. Starting in XX/XX/2018, small charges ( {$0.00}, {$1.00}, {$1.00}, {$2.00}, etc. ) starting showing up repeatedly from three merchants : XXXX, XXXX XXXX ; XXXX ; XXXX. These entities are all associated with bridge/road tolls in XXXX, XXXX. My guess is that someone has setup toll accounts using my wifes stolen credit card.

As of XX/XX/2018, new fraudulent charges are being posted every few days despite my repeated efforts to get Capital One to stop these unauthorized transactions. All Capital One seems to do is post adjustments to my account after I call and dispute specific charges. Capital One claims that there is an ongoing investigation, but I have not received any mail, email or phone calls from any investigator ( as they claimed would occur ) concerning this investigation. How is it possible that Capital One can continue to process transactions against my account with a credit card that is acknowledged to be stolen?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was in forbearance and was then reported as 90 days delinquent in XX/XX/XXXX and XX/XX/XXXX. Called to ask why this was reported and was blown off and told that there was nothing they could do..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, our company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX, received a 'new U.S. Bank ReliaCard XXXX XXXX with the name XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX '. 

We never applied for this card. While this is our address, we do not have anyone in our ownership or in our employ, with the name 'XXXX XXXX XXXX. We believe this to be a fraudulent use of our address. 

I tried on several occasions, to contact US Bank to report this fraudulent activity, but never got through to a representative. 

We have not activated this U.S. Bank ReliaCard, Visa debit card, ending in XXXX. 
Please advise.

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 2021-09-02
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Venmo has frozen my account for no reason, they refuse to give me my money back, I was contacted by an account specialist from Venmo who took all of my personal information and once he had it he started to ignore me. The account specialist named XXXX XXXX has tried to steal my identity, they are holding my money illegally. NMLS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
You are reporting 3 accounts that are not mine showing as closed on my credit report. Remove them from all 3 credit agencies immediately and cease reporting under these closed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
It started in XX/XX/XXXX when I accidentally paid through the wrong account number. An account that I never used before. I called right away and they claim they never got that money and therefor couldnt apply it to the correct account. Every since then, every single month I pay on time but they dont apply it for weeks after the due date sometimes months. XX/XX/XXXXevery single month this happened to where now they say Im overdue three months in a row but I always pay on time if not early. I dont know what they are doing with the checks and why they dont process them immediately. In XX/XX/XXXX I sent a check for {$1000.00} and its not XX/XX/XXXX and they havent received it but my bank verified that I wear sent. Why would my bank continually prove payment was sent but the credit card company does not. Huh? I called many times to ask assistance as to why this keeps happening but they will not work with me to figure it out. I shouldnt owe this much as I always pay. This is capital one by the way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: Credit Bureau Services Association
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CBSA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 was charged a late fee on my credit card for having been less than one day late. I paid my bill the morning following the midnight cut off period. Due to Bank of America 's computer system not working at the time, I was unable to make the payment on the Saturday XX/XX/XXXX deadline. Therefore, I had to make the payment the following day ( XX/XX/XXXX ) and thus I was charged a late fee of {$28.00}. I called the company ask that it be removed. They refused to do anything about the late fee. I spoke with XXXX XXXX in the XXXX call center on XX/XX/XXXX after I noticed there was a late charge. She refused to do anything about the fee and refused to waive it. I have been a loyal customer for Bank of American since XXXX. I am filing a complaint to have the {$28.00} late fee removed because there was an error in the online computer system of Bank of America that did not allow me to make the payment on the date/time that I attempted to. I would like the {$28.00} late fee waived or reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
So from the beginning which is 2 years ago i tried to get a good plan with them but everything they offer just was plan for failure. So i start to pay what they wanted which was XXXX a month. Im located in XXXX tx so XXXX hit inn XX/XX/XXXX, i went to make a on XX/XX/XXXX payment like i always do every month and it said that navient was not taking payments my account was on hold. Month later i call to make a payment, samething my account was hold and of course navient never told me they would do this, so without my consent they put my account on hold XX/XX/XXXX came around and now they said im behind and that is XXXX now not XXXX and of course interest been piling up. So of course im beyond frustrated, but of course i continued to pay my debt. So XX/XX/XXXX i call to make payment for XXXX while im in the hospital and automatic machine is saying im behind payment, which i know i payed on XX/XX/XXXX, so now we are at XX/XX/XXXX and im not sure if i should continue with payments because im always seem to be behind but my bank statements said otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY 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 2019-09-26
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen back in 2016 someone used my identity to seek medical attention amongst other things, I have been dealing with this for some time now I have contacted XXXX XXXX XXXX XXXX to inform them that this was not my doing, but nothing has been done about it now they have sent the debt to A collection agency ( XXXX ) I  have also contacted them to let them know that the debt id fraudulent, no one seems to care as a result this debt has been placed in collections and is reporting on my Equifax credit repot, I have also contacted Equifax and let them know the debt is fraudulent and that the two accounts should be taken from my report immediately. I have filed police reports and have any information needed to validate that fraud has taken place. The debt is stems from two accounts Account # XXXX amount XXXX and Account # XXXX amount XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts Ally Financial XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, 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 2018-12-16
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i received a letter via usps from big picture loans stating that i am pre-approved for a loan - " myname -- is PRE-APPROVED '' " YOU'RE ALREADY PRE_APPROVED '' " GET MONEY AS SOON AS TOMORROW '' however - after visiting the web site www.bigpictureloans.com - i find out that when entering my personal information - i am not pre approved at all - then they process a hard inquiry on me which has a negative impact on my credit score - their offer is a lie and is a fraud attempt to get one to go thru a process that demonstrates that one is NOT pre-approved at all - they should be made to change all their claims to read - pre-selected for final credit approval dont fall for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I bought a house by signing a contract with seller and recorded with the county for {$390000.00} in XX/XX/2019. House was held with {$50000.00} down paid to seller in XX/XX/2019. We spent hundreds of hours and tens of thousands of dollars fixing it up for appraisal and new mortgage. In XX/XX/2019 I applied for a mortgage with LoanDepot and an appraisal was ordered and completed in XX/XX/2019. During loan process I was asked and I signed a PMI form, I pointed out that the appraisal will be much over the 20 % LTV needed. I was told it gets dropped when appraisal value shows this new LTV.

Appraisal came in at {$610000.00}, Mortgage taken on house {$340000.00} At closing I was told just sign its an easy fix. I have contacted HomeDepot PMI removal dept. twice explaining this. Both times I receive a form letter explaining how to pay {$28000.00} to get PMI removed, or wait two years. 
How do I proceed with getting PMI removed? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/19 someone called Bank of America claiming to be me and asked that a payment be refunded to their account instead of the account the payment originally came from. Bank of America sent {$4000.00} to an account that I do not own or have ever owned or that has ever been associated with my credit card account. 

I discovered this on XX/XX/19 and called Bank of America right away. They cancelled my card, issued me a new card and told me that they were stopping payment on that refund and that the {$4000.00} payment would be put back on my card. 

I received my new cards but they never put the {$4000.00} payment back on my card, so my balance is still {$4000.00} higher than it should be. 

I have spent many hours on many days trying to resolve this with Bank of America. They still have not fixed it as of today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX became a member of American Express through a timeshare. In XX/XX/XXXX after some issues with finance I put all the bills that was allowed under XXXX XXXX XXXX. At that time American Express had submitted my account to XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX which is a collections agency. This account has been paid on time since XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX made an agreement. My concern is that it seems American express keeps sending negative hits to my credit account and they should not continue to do this since a collection agreement has been made and is being fulfilled. I am writing you all for assistance because I keep getting a run around from American Express when I call them to update them that their debt is being paid. You are welcome to contact XXXX XXXX XXXX on my behalf my Client ID number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called XXXX XXXX and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information XXXX XXXX are throwing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: SC
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. I HAD NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY UPDATED MY REPORT, I'M SHOCKED AND IN DISTRESSED BECAUSE THOSE ACCOUNTS ARE AFFECTING ME IN APPLYING FOR NEW CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I'd like to file a complaint about the opening bonus of my Citi thank you premier card. Per condition and term ( *please see attached about condition and term ), I will receive XXXX TYP after spending XXXX   within the first 90 days after the account is opened. After I spent $ XXXX, I chated with Citi and got the confirmation that I'll be receiving my XXXX TYP within next 1-2 billing cycles ( *please see the screenshot named after p1 ). Till last week, I still haven't received the opening bonus, so I chated again with Citi and I was told that I no longer will be able to receive points since I didn't meet the spending requirement. For whatever reason, they said they appreciated my business and gave me XXXX   points as goodwill.

I'm SO SO SO confused about why I was told to get XXXX thank-you points a month ago but now I'm told I won't ( * please see the screenshot named after p2 ). This is SO SO SO frustrating and I'd like to request CFPB to help me out.

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 2021-05-25
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I had cash app for about a year. In XXXX I believe it was I purchased a new cell phone from XXXX store and data and apps were transferred over. When attempting to log back into my cash-app account it said my new device was not able to do so and to contact support. I did so through the app and email. I was told to create a new account in order to gain access to the old one. I did so and provided new account information to rep via email. 

After a string of copy and paste emails from different reps I got an answer of we cant grant access to the old account in order to protect your new account. I didn't need or want a new account to begin with. After 2 months of the same email requesting the same info to prove my identity and that the account indeed belongs to me I was simply told there is nothing they can do and there is no further information they can provide. I asked numerous times what they needed and it was still the same response. Nothing can be done. 

I have money invested in stocks through the app on the old account and I even still get emails updating me about earned dividends and investor voting. Yet they still won't provide access or further info as to where my money goes and how to retrieve documents needed for tax filings. I made a complaint to XXXX  and Cash App responded read terms. Again nowhere does it state they can just keep my funds. I just want to be able to cash-out my stocks and be done with them all together. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was settled with CMRE I told them I needed an deletion and would pay the debt. I did yet the reported negatively in XXXX and have still not removed the debt from my Credit report

Company response to consumer: Closed with explanation