BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I booked an airline ticket for my in-laws using my Capital One credit card on XXXX. The flight is from XXXX to USA with travel date of XX/XX/XXXX. 

Due to Corona virus the flight was re-scheduled on XX/XX/XXXX and I decided to cancel this on XX/XX/XXXX. I got confirmation email from XXXX that the tickets have been canceled and they are working with the Airline to get me a refund. This is on XX/XX/2020. This is after I pointed out the Department of Transportation enforcement directive that was published on XX/XX/XXXX that clearly states I have an option to request full refund. 

" Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier. The longstanding obligation of carriers to provide refunds for flights that carriers cancel or significantly delay does not cease when the flight disruptions are outside of the carriers control ( e.g., a result of government restrictions ). '' This is what DoT has is in its enforcement directive published on XX/XX/XXXX. 

After not receiving the refund for several days, I have disputed this charge with Capital One. After a few days Captial one came back to me stating that the Merchant ie XXXX XXXX came back to them stating that I can re-book my tickets to a later date if I want to. 
Please note XXXX XXXX never said that I am not entitled to a refund but Capital One went ahead and charged me back the amount. I tried calling them numerous times about this and they keep saying they need to follow Visa guidelines. I have also tried to point out to them that Visa guidelines can not be used to override Department of Transportation enforcement notice for which their reply is that the enforcement notice was optional and not necessarily required to be followed by Capital One. 

Now the enforcement notice is pretty clear that it applies to everyone and is not optional. I want CFPB to make it clear to Capital One that breaking rules of US government will have serious consequences and that they can not make up any rules that would be against or supersede US governments. 

I have been chasing XXXX XXXX, XXXX XXXX Capital One for over five months now. The tickets were canceled on XX/XX/XXXX and I still dont have a refund on XX/XX/XXXX. I urge CFPB to take immediate action against Capital One. 

Name : XXXX XXXX Dispute Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-02-18
Company: EQUIFAX, INC.
State: CO
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 Amount say {$1700.00} Is Inaccurate. how is the High Credit lower than the balance. the high credit is {$1300.00}. I reported this 3 times they telling me Subject has not satisfied debt. Equifax is the only one reported this how do they have information that the other two Credit Bureau don't have. and the last day of Active is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: HILLTOP HOLDINGS, INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/2020 my loan with PrimeLending was paid off. 
I had an Escrow account with PrimeLending for my property taxes and although PrimeLending knew I was paying off my loan ( a PrimeLending rep. " XXXX '' in early XXXX told me that PrimeLending 's policy is not to pay the Property Taxes when there is a payoff request-which XXXX said she shows in her system and I have a letter ) a property tax payment for {$2500.00} was made on XX/XX/20by XXXX 
XXXX is PrimeLending 's 3rd party vendor. 
The County of XXXX XXXX received a XXXX XXXX payment from Corelogic ( to cover multiple properties ) and it took the County until XX/XX/20 to allocate the payment and then refund XXXX for my duplicate property tax payment. 
My new lender had paid the property taxes ( simultaneously ) and they were accepted by the County prior to the XXXX  allocation and therefore the County refunded the duplicate payment to XXXX. The County provided me with the refund check # ( I  have ) and the amount ( about XXXX ) to XXXX! 
I have yet to receive my escrow/tax refund in the amount of {$2500.00}. 
I have called Primelending numerous times and asked for assistance. I've tried to escalate and I have asked to speak with a supervisor -but no supervisor will talk with me ). Please help. None of the customer service reps know what their procedure is. Basically the customer service say there is an open task -and it is with the tax accounting department. When I ask to speak to tax accounting, I'm told they are " back office '' only. My property taxes have been with PrimelendingXXXX  now for 60 days ( since XX/XX/20). My loan with PrimeLending was paid off 131 days ago. Did they steal my money? I am getting very nervous. 
I have tried to call XXXX but there phone system clearly states that it is the individual mortgage company that is responsible. Please, please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo keeps pushing the closing date out without providing a reason. They insinuate that there is a problem with the appraisal but will not tell me what the issue. I paid to have the appraisal done but they refuse to provide me with a copy. I have asked to speak with the underwriter and have been denied that opportunity. I have also asked to speak with their collateral compliance department and again was denied that. I made contact with a person in their customer complaint department but he has not returned any of my calls asking for status. A manager in that department promised to call me but has not. I asked to speak with the Senior Vice President but was told the she does not take customer calls. These changes have required the real estate agents to extend the contract three time but no one will tell me why. My wife and I both have credit scores over XXXX, have cash accounts of over $ XXXX in Wells Fargo Accounts and another $ XXXX in tax sheltered accounts. We recently sold our home and paid in full the Wells Fargo mortgage on that property. We have no debt including on credit card accounts. We are asking to borrow $ XXXX on a $ XXXX property. We asked why there was an appraisal required and were told that it is a XXXX XXXX requirement. This is a conventional loan and as far as i know XXXX XXXX should not be involved. We are in danger of losing the contract on this purchase and will become homeless if that happens.

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 2021-05-19
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I applied for a credit card with XXXX under the constant pressure and recommendation through an bombardment of emails from Experian stating that by getting another credit card from one of their partners it would increase my credit score and lessen my debt ratio. However on XX/XX/XXXX my credit score dropped XXXX points from Good XXXX XXXX XXXX to Fair XXXX XXXX ) due to the fact I was denied by XXXX without reason despite my Good credit score and exceptional payment history of never being late with a payment. This happened again on XXXX XXXX, XXXX causing my score to drop another XXXX pts. Experian sent emails nearly everyday telling me to apply with their partner only to be denied twice and causing my credit to drop 16 pts. If this is their partner they should know exactly what they are looking for, because otherwise this appears to be a set up to intentionally worsen one 's credit. I sent them a letter last year about this behavior and never received a reply. Also I called on XX/XX/XXXX and spoke with XXXX and informed her that there are three ( 3 ) inquiries on my report that I did not authorize and that the only one I did was XXXX  on XXXX XXXX, XXXX. She said that they will remain for 2 years. This decreased my score by 4 pts. Also on XX/XX/XXXX I decreased one of my credit cards from nearly {$6000.00} to {$1200.00} and my scored dropped 13 pts to XXXX. This should never happen when someone pays over {$4000.00} to lessen their debt. Then on XX/XX/XXXX my score decreased again by 5 pts. to XXXX after I acquired an auto loan. This after receiving emails from Experian about everyday telling me that if I acquire an auto loan it would help my credit. Experian has done nothing but sabotage my credit on purpose with their misleading and false emails. I want my credit restored to Good and for them to stop sending me anymore false and/or misleading emails that are definitely not going to help my credit. Again they need to know the exact criteria of their so called partners for approving credit without chance or fault. Otherwise they are only sabotaging and destroying one 's Good Name and Credit worthiness.

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 2021-04-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Financial hardship due to pandemic paid a fews days late in XX/XX/2020. Asked for forgiveness and correction of credit report by removing late payment/fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: MI
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 ATTEMPTED TWICE TO DISPUTE THE INACCURATE ACCOUNTS ON MY CREDIT REPORT, ASKING FOR VIABLE EVIDENCE BEARING MY SIGNATURE. THEY HAVE NOT GIVEN ME PROOF BUT WANTS TO DISCONTINUE INVESTIGATION.

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 2020-12-06
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.

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 2017-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my USAA account both checking and savings cards to withdraw money at XXXX XXXX Bank. I was able to withdraw {$600.00} from my checking account. I attempted to withdraw XXXX from savings using a separate card from USAA at the same XXXX atm minutes apart. I could hear the ATM machine counting the cash for the savings withdrawal, the ATM never dispensed the cash from the savings. The ATM machine screen said oops we 've experienced technical difficulties unable 2 complete your transaction. Nonetheless {$500.00} was debited from my savings account that I never received. I filed a complaint with USAA and they said XXXX looked at the video and I took cash. I never received cash from the savings withdrawal. There should have been two desperate withdrawals of cash not one. I feel I have been robbed {$500.00}. Neither USAA or XXXX will help me. I 've been robbed of {$500.00}. All they have to do is look at the video and see I only took cash from my first withdrawl from my checking account. No money was dispensed from the savings account which used a separate card from the checking. {$500.00} disappeared electronically Into Thin Air. Please help me deal with these banking corporations who have robbed from me and refused to look into the problem and correct it. USAA says it 's XXXX XXXX problem and XXXX XXXX says it 's USAA. Again please help they robbed me at Christmas time and I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Nelnet, Inc.
State: AK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim of Identity theft. Unauthorized charges, did not authorize any services. Disputed these accounts through creditor who stated they would be deleting account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are two debts showing on my credit report with Portfolio Collections, account no. XXXX for XXXX XXXX XXXX and account no. XXXX for XXXXXXXX XXXX. I was contacted by this agency and was told I owed these debts but could not be sued. After trying to receive information to verify ownership pertaining to these debts, with no success, I filed a dispute wih the 3 credit bureaus. The agency did whatever they needed causing no change with the credit bureaus. After receiving additional calls from this collection agency I wrote a letter requesting verification of this debt with my signature to confirm these credit defaults. I give the collection agency 30 days to gather information with my signature to prove ownership. In or around 20 days later I received a statement ( that was not familiar to me ) for XXXX XXXXXXXX XXXX but no actual signature verification. I did not receive anything regarding the second account XXXXXXXX XXXX 
I am asking for this information to be removed from my credit report or produce verifiable information with my signature. I would appreciate your assistance in bringing this matter to a resolution. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX XXXX P.S. I have attached the dispute letter sent by XXXX XXXX and the respose sent by Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: NV
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 recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 XXXX. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX/XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}

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 2023-05-02
Company: Experian Information Solutions 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:
Attached you will find documents requesting the method of verification for this account in question by this debt collector. Experian claims they contacted the data furnisher and they the data furnisher verified the account but how if I wasn't provided any of the method of verification documents I've requested. Until those details items are recieved I want this item removed from my consumer report as this debt is in DISPUTE, that would be a violatio

n Pursuant 15usc 1692e8- False or misleading Representation. Furthermore As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. I also received a letter stating that the CRA needed additional documents of my indenity this is a stall tactic to slow down my efforts to get this account investigated. Also under 1692G validation of debt copies will not suffice in this matter.

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 2020-10-22
Company: Resurgent Capital Services L.P.
State: MD
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:
Since 2018, I have sent numerous letters, emails, contacted collection agency directly. 
What happened ; I was notified by several institutions of credit and security breaches : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

My complaint is regarding a collection agency LVNV that is causing me harm due to collections in my credit report. My score is 23 points lower. 
I in writing clearly explained to the collection agency and requested a contract signed by me re : these debts. 

I have been damaged/harmed by their actions during the Covid Pandemic! I have been denied access to needed assistance due to  these collections, that are erroneous. This is a malicious collection agency and I am researching resources with the Attorney Generals office as well. I kindly requested complete removal of these collections on countless occasions! I asked them kindly to please remove them, as we are in unprecedented times and all resources are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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