BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 balance transfer

Complaint:
Re : Capital One World MasterCard promotion offering 0 % interest for 12 months with 2 % transfer fee. 

In XX/XX/XXXX I transferred in excess of {$5000.00} to my Capital One credit card. My current statement ( payment due date of XX/XX/XXXX ) does not reflect this agreement, but instead shows an interest charge of {$90.00} and a minimum payment of {$140.00} due on XX/XX/XXXX. Both of these figures are in error. 

On XX/XX/XXXX I spoke with three Capital One representatives ( rep ID numbers XXXX, XXXX, and XXXX ), including a supervisor. They acknowledged that there was a system error in recording the promotional offer. I was not informed by Capital One of this error either by mail or email before I had made my telephone call. 

These representatives told me that a correction may take " two billing cycles '' to correct and that I should continue to make the {$140.00} minimum payment ( s ) until this was corrected. 

I protested that the entire statement was in error and that the {$140.00} minimum payment was excessive based on my prior experience with these types of promotional offers. They were, in fact, asking me to pay for their mistake. They refused to offer either a reduced minimum payment in line with my expectations, or a waiver of payment until such time as they corrected their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I.C. System is illegally reporting my private information to an uninterested third party/public agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with I.C. System for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.

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 2018-01-30
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I ordered an XXXX computer from XXXX   on easy pay. My order number was XXXX my name is XXXX XXXX. The computer came to my home and it was too large and bulky. Since it was a XXXX time order I could send it back which I did around XX/XX/XXXX. Not hearing from XXXX I called customer service and was told they received the computer and issued a credit of {$220.00} on my credit card. I kept checking my card and there was no credit so I called back Cust service was again assured my credit was issued  and should show up. Today still no credit called again today XX/XX/XXXX and was now told there was a hold put on my return and she didnt know why but corporate could help. No one answers the phone at corporate you just leave messages. They have stolen {$220.00} from me that I want returned ASAP. According to consumer reports they have numerous complaints against them for this very reason. My name iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I was scammed by the XXXX XXXX XXXX XXXX and FBI agent in XXXX. i was scammed about XXXX dollars. once i found out i was scammed i took proper precaution and filled report to the real FBI IC3 department, Bank of America fraud department and police station.

I got an acknowledgement form to sign to start the investigation on XX/XX/XXXX from BOA, i signed it and sent it back on secure message on the same day i received it. After i signed it i called back to make sure BOA received it. This is the number they have provided me to call when i filed my claim, XXXX called them back to verify if they received it and they said they did and i had to wait 30 days for the other bank to reply. I called again about 2 weeks after I filed it to see how the claim was going and they said to wait. Then i called when its been about 30 days, they said it can take up to 45 days. Then I got a phone call from BOA on XX/XX/XXXX saying they never received my paperwork to start the investigation. Now I am very disappointed and upset at the negligence and lies that Bank of America told me. The chance that I had of catching these scammers is pretty much gone. The BOA negligence has cost me any possibility that I may have catching these guys and getting my money back.

It almost makes me feel like BOA was in for this scam as well, the negligence now made it harder for me to catch these scammers. And for BOA to call me on a Friday evening when everything was closed was the techniqueScammers used as well so i can't react to recover my funds.I been with BOA for over 10 yrs and this is how they treat their customers and their money is just mind blowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX. 

On XX/XX/2021 almost 60 days later I received a letter from the data furnisher XXXX XXXX XXXX with a printout of procedures that I supposedly went through at XXXX XXXX XXXX. TransWorld Systems did not include a signed release of information signed by me nor did they include a HIPAA form signed by me and I never signed a HIPAA form for a company called Trans World Systems to have access to any of my personal medical files. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX notifying them that my HIPAA rights have been violated. I have not yet seen the violating accounts deleted from my credit file.

According to the FCRA Trans World Systems has violated my HIPAA rights, they are mailing out medical procedures with my personal information on them. 


TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company Affirm allows you to purchase products at a retail store and pay in installments with interest. I purchased 2 items on XX/XX/2021. The interest for the loan is % XXXX. On XX/XX/2021 I returned one of the items, significantly lowering my balance on the loan. I am charged biweekly with interest on the loan. Despite returning part of the order 7 days after acquiring the loan, the return is still not showing on the account 3 weeks later. When I called Affirm they said it may take 45 days to process the return- which also means I will pay interest on the loan despite the fact that part of the product was returned- this affecting the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by on online business. I used XXXX and I called my bank for help recovering or trace the money but they said they cant help I dont know what else to do. I already reported the scam. The scam happened on XX/XX/2021 I was requested to pay via XXXX to 2 different accounts I paid {$250.00} to XXXX XXXX ( XXXX ) XXXX and {$400.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cit Bank Mortgage # XXXX The above loan was modified as of XX/XX/2017. My problem is the trial payments of {$2100.00} XXXX I paid from XX/XX/2017 to XX/XX/2017 was not properly allocated in to my account. When ever I calls they are giving me a run around and not properly giving the correct explanations. 

We want help in this matter. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York! XXXX. 

Tele # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: National Check Resolution Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Leave repeated messages harassing myself and my wife by threatening to appear at home or work and to be ready. Uses a very aggressive tone and claims to be visiting to as part of a civil lawsuit, however, Clerk of Courts searches did not reveal any pending litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had a PayPal Account for several years. The pandemic has raised certain serious issues - especially with sellers from overseas ( e.g., XXXX is no longer selling via the primary market here in the US, but instead sell directly to consumers ). I've order several items -- and one took 35 days to deliver. Another order was not fulfilled. I had an email from them saying they could not fulfil it and I gave them notice to cancel the order. Neither PayPal nor I have heard from them. PayPal has not honored its commitment regarding merchandise purchase protection. The invoice was written in XXXX and PayPal nor I could read it. It also had a 'bad ' email on it ; these are badges of fraud and PayPal just directed my to my card. I sent the email regarding that they do not have the material for the items and PayPal would not cancel the account because it said it could not. This is unusual also because they attempted to take these funds when my bank did not pay it ; and what they have on their records is wrong. 

Now - I have canceled one dispute for {$44.00} and am just am taking the hit. The other has been resolved by XXXX XXXX, they did not accept the charge and canceled my card and issued a new one. Ref. ID # XXXX case is with my federal credit union account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and Experian.

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 2017-11-15
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I receive calls about my supposedly 1 late payment multiple times per day. I get anywhere between 5-11 calls per day. It seems that they are harassing me because I made the last payment the day the billing statement came out and when I spoke to them they said that did n't count toward that month. I can understand 1 call per day but 5-11 calls per day is just harassment.

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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
There are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXXXXXX, XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am not certain how I ended up servicing my loan through XXXX XXXX XXXX   however it has been a nightmare ever since. I consolidated my loans with XXXX XXXX XXXX a few years ago. My monthly required payment never made sense to me and how it was calculated. I called countless times over the years getting different representatives each time and the information provided was never consistent. I sought out repayment assistance many of times however there was never a resolution to my problem. As a full time working woman with countless other necessary living expenses I struggled to make the minimum required payment. Sometimes I would make two payments in one month of what I could which was better than nothing. Due to the fluctuation in my monthly payment and being advised I was on the lowest repayment plan my account apparently started to go in to a missed or late payment status. This later hit my credit report which was my first notification as I have worked extremely hard on my credit rating the past few years to be disturbed and find out it was all for nothing. My credit dropped over 100 points due to this. I attempted to appeal it with the US Dept. of Education however I was contacted by XXXX XXXX XXXX instead. I filled a formal complaint and was denied. Cited in the correspondence received from XXXX XXXX XXXX it was stated that they attempted to contact me by phone and mail however neither were ever received. I truly believe this is bad faith/ bad practice and I should not suffer these consequences due to their bad faith. I am now financially in an extremely difficult situation as I need to move and replace my vehicle and can not do either due to the hit on my credit report from XXXX XXXX XXXX. This has created a lot of issues for me financially. I do not feel that if I spent another 30 minutes on the phone going back and fourth with customer service that it would do any good as there are never changes to my account or monthly installment after help is sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: AES/PHEAA
State: MD
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:
I accidentally pulled more money out than I should have from my account and one of my monthly Fedloan automated student loan payments did n't go through. However, Fedloan has a practice of trying to pull the amount 3 different times every 24 hours. So I discovered this after Fedloan 's 2nd attempt and had already been charged {$70.00} in overdraft fees.
I 'll make a separate issue for overdraft fees since that 's a problem for my bank. But why is Fedloan trying 3 different times? They should only try once and if it does n't work, notify me so I can pay through a different method.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, As you 've of course heard, the latest EquiFax data breach has compromised the financial security of over ONE HUNDRED MILLION PEOPLE.
Now, to protect ourselves, we have to put a freeze on our credit. This would n't be so bad if we did n't have to pay out of pocket. The fact that we have to pay {$30.00} to freeze our credit, to protect our most important information, because of this huge leak, which is 100 % EquiFax 's fault, is ridiculous. 

Freezing our credit should n't cost a single penny. This should be a free service. It 's like being assaulted, then paying the police on the side for protection. This is n't fair, it is n't right. 

Please, help us! We need you now more than ever. So many of us feel vulnerable, and like we have no control over what happens about this. We need your help, please!

Company response to consumer: Closed with explanation