BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I hope all is well ...

The reason why Im writing is because I called Capitol One for relief due to the pandemic. I explained to them that I will be paying the card completely off 30- 60 days from now. I advised them I would been paid the card off if the pandemic didnt come. This mostly likely would been the last time I needed relief due to Im paying the care completely off. I been with Capitol One since 2001 and I was treated very badly today over the phone I have been a great customer have paid on time and also paid my card completely off in the past. Today I was hung up on, transferred several times and given different answers from managers and supervisors why I couldnt get relief. One manager stated I couldnt get relief because it was a new cap program that started two weeks ago and when I asked what date she didnt know and I also asked for something in the mail stating that. I spoke to another manager after I called back she advised me that was not true but I couldnt get relief per the computer not because of a new program. I was on the phone over an hour. XXXX XXXX risk XXXX because I had two XXXX  back to back a year ago and Im also XXXX I feel as if Im being discriminated against because I explained all this on each call. My hours have been cut because of the pandemic. I went ahead and made the payment that is due today of {$290.00} but that was all the money I had. I dont appreciate the way I was treated today. I havent ever been late and Im a very great customer that been with Capitol One since 2001. All I need was relief one more time before I paid the care completely off. I do apologize its not my fault that we have a pandemic and Im doing the best that I can. I have every call today recorded on my phone I will pay this card completely off and take yall to court by the way I was treated today. I shouldnt of been transferred, hung up one and given different answer why I couldnt get relief like someone lying to me. I take my finances very seriously and my other credit cards like XXXX XXXX, XXXX etc dont treat me no where near how I was treated today with Capitol One. I dont need this while Im pregnant and about to pay the card off. Those calls need to be pulled because I have them on my end and that caused me stress today and anxiety I dont need while pregnant. Thank you for your time. Have a wonderful day and please be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
n 2011 or so Google marketed a free version of " XXXX XXXX XXXX XXXX  '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( XXXX  XXXX then XXXX  ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " XXXX XXXX XXXX XXXX '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an XXXX account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google XXXX ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product. Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in. I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative. 

Google told CFPB on XXXX that I have a personal address and it's not a problem, but that is not true. I can not use their Google Pay service ( or any other service like Google XXXX ) because it is " not available for workspace accounts '' so the issue is not as they stated when they erroneously closed the previous complaint and they gave inaccurate information to CFPB to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX of 2020 I made a cash deposit on BANK OF AMERICA ATM located at XXXX XXXX, XXXX XXXX XXXX, FL. ( XXXX ). During the process of counting the bills the machine gave me error on the screen e stopped it, after a few moments the transaction of finished and a deposit receipt was issued recognizing. the error, but the money was short around {$1500.00}. 

I had this stack of money that I was saving for emergency, I wasn't sure how much exactly I have in the stack, but I counted the money in front of the camera I requested they to send me the video, but they refuse to, in the letter I just received telling the they didn't locate the cash they said they were there to help and if I would like to request the copies of the documents they relied on to reach the decision to call them, when I call them they told me that was a general letter and they would only provide those documents if they were enforced to do it.

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: FIRST NATIONAL BANK OF OMAHA
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I attempted to use on of my First National Bank of Omaha credit cards and the purchase was denied. I then checked the website and app and it said there were technical issues and to try again later. I called in and was transferred to department that said my account was currently under review and they would let me know when the review was complete. 

On XX/XX/XXXX I logged in to the website again to redeem my balance of rewards which were XXXX on card ending XXXX and XXXX on card ending XXXX. Again, it said there technical issues and to try again later. I was unable to redeem my rewards at this time because my account was still locked. 

On XX/XX/XXXX I called in to FNBO and asked for an update. I talked with XXXX in the high risk group and he told me that my accounts were still under review and that I would get a call when completed. 

On XX/XX/XXXX I called FNBO again and was able to get transferred over to the rewards group ( XXXX ). They informed me that FNBO closed my cards on XX/XX/XXXX and my rewards balance was forfeited as a result. I explained that I was trying to redeem my rewards prior to closure. They transferred me back to customer service. I asked customer service to please allow me to use my rewards and they told me the same thing. 

Its clear that FNBO used the locking of my account as a way to disallow me to redeem my rewards.

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: Colony Brands, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive tried on several occasions to let XXXX XXXX ( {$860.00} ) and Monroe and Main ( {$1300.00} ) know that 2 credit cards were open using my social ( NOT MY NAME ) was not me! Ive tried to dispute the items but they keep saying they are mine. The persons name is similar to mine but its not mine. I feel that I shouldnt have to pay someone elses debt. I made a complaint and sent out letters from the identity theft.com website on XX/XX/2021. They still feel as if these were my accounts. They are NOT! It is their job to do their due diligence before giving credit cards to people because things like this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2021-11-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 7 calls since XX/XX/XXXX to my personal cell for a family member that has been Deceased since XX/XX/XXXX. On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX CT I actually answered. They asked for the person to which I informed them they were no longer alive and the date of death and asked politely for them to stop contacting me. Every single time someone calls asking for my mom it brings up all of these horrible emotions ( was a horrible house fire that cause her AND my step father 's death ) and my XXXX XXXXXXXX XXXX XXXX  all day and I keep rehashing what happened. They need to STOP CALLING ME!!

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: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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:
There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost XXXX years. I submitted MULTIPLE disputes to XXXX, Equifax and XXXX and stated that i NEVER had an account with XXXX XXXXXXXX from XXXX of XXXX. XXXX deleted the account from my credit report. Equifax and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and Equifax has refused to delete. If this account is not taken off of my credit report I will file a XXXX  against XXXX, Equifax and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. Equifax and XXXX have a legal requirement to remove falsely reporting information and have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: CA
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:
In XXXX of this year my credit card was used in XXXX XXXX, I do not have the exact information where it was used, I have charges for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX roses XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, foreing currency fee XXXX, adjustments 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 2021-04-28
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, EXPERIAN. Attached is a screenshot of the unauthorized inquiry from XXXXXXXX XXXX XXXX This company pulled my credit without my written consent! I disputed this inquiry and Experian did not remove it from my credit report. XXXXXXXX XXXX XXXX can not provide Experian a certificate stating that I gave them permission to pull my credit. I have contacted XXXXXXXX XXXX XXXX by phone and they said they did not pull my credit. 

I also have a sercurity alert on my Experian credit report. I did not receive a call notifing me that XXXXXXXX XXXX XXXX was pulling my credit report. 

Experian is violating consumer law 15 US code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian fraud investigation fails to properly identify and fix an error in reporting a Collection. I clearly stated that I have never lived in the City, State where the transaction allegedly took place, but Experian fails to correct the error in my credit report.

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 2023-03-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have provided all three of the major credit bureaus with a copy of my FTC report and my police report including all of the fraud that was reported on my consumer report they have yet to take action to remove all of the items that are showing on my credit report which is causing me harm by not allowing me to obtain favorable interest rates and credit due to these negative items reporting on my credit report Due to the fair credit reporting act under USC 1681 ABC they have a duty to uphold all fairness and correct information and they have not

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 2016-10-04
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company drafted an unauthorized payment from me on XXXX. I 've been in contact with them multiple times to get the payment refunded to me and they are completely unresponsive.

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 2019-11-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received my credit reports from XXXX and XXXX, that have negative items that are inaccurate due to identity theft. The charge that is in question is from a collection agency, Midland Funding LLC. I have no knowledge of this amount of debt or the original creditor XXXX XXXX. I'm asking the companies to please validate the charges and account belong to me, which I believe does not belong to me. 
I received the XXXX  on : XX/XX/2019 I received the XXXX  report on : XX/XX/2019 Both reports have several inaccuracies that have been disputed but keep coming back as verified, which they are not mine!

Company response to consumer: Closed with explanation