BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
hello, I 'm having trouble every month making my payments to the capital one buy power card on their 24 hour customer center phone number on the back of the card XXXX XXXX when ever called to make a payment around the end of beginning of the month the recorder goes on and on like if it does n't hear me or cant understand me, when pass on to a live representative they say it will take 5 minutes because of high volume, of course their automated service is not responding, so every customer has to go thru to the live representative which in turn charges a process fee or a late fee when card payment is not made on time. I got so mad I told the customer service agent this was my ( 2 ) second month calling and that the electronic system is not working properly and it passes me down to them so they can charge a fee for processing my payment, he acted like he could n't hear me, and when I said your answers indicate you can hear me he hung up. I called back and the call magically went thru without a hitch goes to show me they 're manipulating the system so people can use the live customer service agent and charge the fee to process a payment or late fees when payments are not made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: AMALGAMATED TOKEN SERVICES, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am writing to you from XXXX. My name is XXXX. I am writing because of the problem I have with the cryptocurrency exchange known as Coinlist. Customer service has not returned to me for 10 days. The company seems to be in California. I tried many communication ways but no result. To which e-mail address or organization can I complain about this problem? I will be glad if you help me. 
Best regards.

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 2017-10-03
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Informed them i 'm having trouble paying and to submit account into collections ... .. they call about 5x a day they even came to my home in person which is not ethical

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 ask Transunion for proof and they never sent me anything ... They report my information to XXXX with incorrect information. They violated the fair credit reporting act ... I ask many times for Mov proof. They are very rude and nasty on the phone.

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 2019-07-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status.

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX   XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2017-07-06
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This company is currently servicing two of my private student loans. I have contacted them several times by phone and by email for assistance in repaying my loans. The interest rate has continued to go up and has increased four times in the past twelve months. I can no longer afford the payment as it has increased to over {$500.00} a month and they have done nothing to try to help provide me with relief. I have paid on this loan for over three years and every single payment has gone to interest. I believe that their loan practices have resulted in a violation of the UDAAP as the principal balance of the loan has more than doubled and by the time I have paid it off, it will have quadrupled. The only relief they offer is to service members, and I am only a child of a veteran I have not served myself. Therefore, they will do nothing to assist me. I have contacted them over the past four years so that I could get help before it got to the point where I could no longer afford my monthly payment. They are putting young students in debt that they will not be able to afford to pay back and it needs to end before we have another economical crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: HOPE BANCORP, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 I sent a money transfer through XXXX XXXX from my bank of XXXX  debit card in the amount of XXXX to a scammer at XXXX. The scammer who impersonated my boss had me pay for a insurance payment and he promised to reimburse me in the morning. I saved the text messages from the scammer telling me he is the owner and I have all the instructions he gave me through text as evidence I was not the one at fault or knew of the situation. I have saved call records as well and my conversation is recorded on the XXXX line at work so my managers could retrieve that if necessary. Which the event started over the XXXX line at work then he contacted me on my personal cell phone to make the money transfer. I made the money transfer and the scammer kept asking for more money so after that happened I called my coworker to verify and she notified me of the scam and to stop communicating then report it. I immediately called XXXX XXXX at XXXX XX/XX/21 they said they cancelled the transaction sent my case to their fraud team and contact them in XXXX hours. Then I contacted the XXXX XXXX customer service to verify my refund status and they told me my reference number given wasn't valid because they neglected my case and deleted it. So I ended up reporting to my bank and police late about being scammed and needing assistance to get a refund. Then my bank took all my written evidence and saw the saved messages from he scammer and phone calls on my cell phone saved for evidence including police report. XXXX XXXX later and my bank is telling me my dispute was denied and I no longer qualify for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. 
They have violated my right to privacy and have furnished an account against me without my written instructions and consent. 

According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section also states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Sunrise credit service account 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 2017-10-01
Company: U.S. BANCORP
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back In XX/XX/XXXX I purchased various products from XXXX XXXX of XXXX, these were Licensed XXXX XXXX products with a 1 year warranty. {$610.00} Transaction ID : XXXX. One of the items was defective ; {$300.00} ; i tried in vein to either get replaced or upgrade or money returned by merchant and Manufacturer ( XXXX XXXX one in the same ) within the warranty period! I also filed a dispute claim within the warranty period with XXXX XXXX XXXX. Ironic is n't it! XX/XX/XXXX At first they said they could not find transaction ; XX/XX/XXXX convenient for them ; then they filed a second new claim for an improper amount on {$350.00} on XX/XX/XXXX. Then they had a fraudulent investigation for an incorrect reason for dispute with a answer from merchant dated XX/XX/XXXX Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX that they were reversing the provisional credit of {$350.00} and that I continue to work with Merchant to resolve matter. I have been dealing with Card Member Service who  on letter dated XX/XX/XXXX that they would report this to consumer reporting agencies unless I paid the amount listed above. ( Illegal under the Fair Credit Billing Act )? I have since had a conversation with the office of the president who said under XXXX rules my original complaint should have never been taken and that the two complaint are n't the same and blaming XXXX Rules ; while they offer me increased credit line and points plus giving away free XXXX 's every month but they XXXX XXXX XXXX US Bank ca n't make XXXX XXXX make good on my defective merchandise! My contention and legal question is even if they should have never took the original complaint or the fraudulent second complaint they devised they did and this alone nullifies any so called Rules or Regulations. We will be going to Court! I will not be paying this charge or any accrued interest attached to this charge!

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 2021-10-31
Company: 21ST MORTGAGE CORP.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Most definitely the worst financial institution I've dealt with. We tried to obtain a mortgage for home in a community and it was so unnecessarily stressful. From the moment we first got the " approval '', they kept asking us for documentation that can not be obtained for someone who is not a US citizen, you can't ask for a US passport if the person is not yet a US citizen. The loan originator XXXX XXXX was horrible during the whole process and didn't even know what type of ID we needed. I had to call customer service with 21st mortgage because the representative at the community we were trying to buy the home from has worked with 21st mortgage for a while. I called 21st mortgage again and was helped by a XXXX who then transferred me to an XXXX without even telling me and he said he would " give me a call back '' with an answer to the ID question. Never got a call back but the issue was fixed in the application process. The other hurdle was " verifying '' income, after they were provided, paystubs and W2s, the issue was now a verification of employment sheet. My employer 's HR was taking forever due to covid so we didn't get it in until a week and a half later. After the verification of employment sheet was filled out entirely, I mean giving them pay per hour, overtime, bonuses, they proceeded to say it wasn't sufficient and needed verbal verification. The ridiculousness of the process should have been enough for me to stop but then of course they asked for income for the coapplicant who was self-employed and provided proof of income for two years prior. XX/XX/XXXX was not a good year for his business due to the pandemic so we got " denied '' our mortgage based on that. Honestly not worth going through the process with them, not only are they uneducated and rude, they are not empathetic and discriminatory. I will definitely be making sure to contact the FTC and XXXX about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: LEXISNEXIS
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:
I have disputed public record items with LexisNexis. Their response was incomplete. I requested the method of verification and the procedure used to determine the accuracy of the items. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I pay over the minimum payment as told to by others, they seem to just keep that money like several others! This has been happening for years, and they charge me interest + interest! Macy 's and others* promises all these discounts but do n't even offer discounts for the perfumes and makeup I buy from them! Their products are cheaply made like from someone in XXXX or somewhere, that hates U.S. Then they turn around and sell it at an overpriced price and on top of that do all kinds of extra charges in interest and bill payments. I 'm not in accounting but when I overpay it drops my payments, and is supposed to pay off more cheap products than interest! I saw better things offered in XXXX than these places offer in America, online. I 'm so mad I finally had to say it again. Macy 's was very nice to me, but their accounting probably needs an IRS Audit. And again, for their products! Who made this junk and why are they selling it so high? At my yard sales no one wants it, they just judge me. And I ca n't return the unopened products because I bought them awhile ago.

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 2021-12-01
Company: Velocity Portfolio Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They sued me for a debt that was more than 10 years old from XXXX. The lawyer was XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX number XXXX XXXX XXXX the the company was Velocity Investments LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They are garnishing my pay without showing any proof that I owed the debt. I sent numerous letters to them but they moved forward with garnishing my wages. They sent me documentation that they bought the debt from someone back in XXXX I have several receipts from certified mail sent to all the parties involved letting them know that this debt was both not mines and it was too old to try to collect. 
The garnishment was for XXXX and they are taking 200 to 250 out of my paycheck every period. It feels like I'm being robbed

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 2019-07-14
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THROUGH OUT THE YEARS COLLECTION AGENCIES CONTINUE TO PUT THIS IN MY REPORT AND THEY TAKE IT OUT HERE IT IS AGAIN PLEASE FINE THIS COMPANY FOR FALSE INFORMATION XXXX XXXXTO : FCRA ALL and CFPB CSS COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open New York State Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX This company has violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

XX/XX/XXXX Attention : CSS COLLECTION XXXX XXXX XXXX XXXX, MA XXXX I am requesting a validation of CCS XXXX XXXX due to this company has been inserted in my credit file once again. This entity has been removed serval times please request a validation for the 3rd time. I ask that you remove XXXX XXXX from my report. 
Remove your derogatory remark from my credit report. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, CT XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The Credit companies are not complying with their own policies in a timely manner. A complaint was mailed on XX/XX/2022 and it's been over 30 days with no resolution.

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