BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX : Capitalone credit card # XXXX I have had this card for approximately 2 years. Have never had a problem paying my bill on line. I have never been late with a payment. Actually I have never been late with any payments on any credit card, my credit report will reflect this. On Saturday XXXX XXXX, XXXX I went to my computer to pay my bill. It generally takes 1 to 2 minutes. I was short on time and was expecting my grandson. I went to Capitalone website, logged in, but site indicated a problem with ID or password. I tried several times. But was not successful. I called customer service, spent time discussing the situation. Finally customer service walked me through the process. We determined together that there was not an issue with ID or Password, BUT Capitalone put me through the procedure of claiming there was a problem in order to get information. Before I could access the site and pay my bill I had to answer 2 questions. # 1 What was my income? and # 2 Where was I employed? I asked to speak to a supervisor and we discussed this AGAIN! I was upset at the way Capitalone set out to obtain this information. The supervisor agreed. Capitalone lied to me, or at the very least misled me to believe there was a problem with ID or Password and prevent me from paying my bill and wasting my time. I can understand Capitalone wanting information and if they do not receive that information, they would have the right to cancel the credit card. My arguement was the rude, inconsiderate, phony and insensitive way they set out to obtain that information. I believe I should have been notified with a letter or email or on my paper statement, or when I went to pay my bill at the website, there could have been a note there requesting information they were seeking. Again, that was a very poor way to treat a customer/consumer. The supervisor wrote up a report and said she would discuss with a resolution person (??? XXXX. The supervisor put the resolution person on the phone and asked me to explain the situation to her. My XXXX XXXX was getting a workout!!! I had just spent a considerable amount of time discussing entire situation to customer service representative and supervisor! I was being asked to repeat that again??? I have removed their credit card from my wallet and will no longer use it until I receive a satisfactory explanation and apology. If I do n't receive that explanation or apology I want my accounts with Capitalone to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$18000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$2100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$5600.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$8000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$940.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a US Bank checking account on XX/XX/2021. I completed the necessary direct deposits transaction within the given timeframe of 60 days of account opening to receive the promotional {$250.00} bonus from the bank. After completing these necessarily steps and waiting the 60 days for the bonus to show up in my account, I have received nothing. I have heard of other consumers having this problem as well.

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 2017-12-27
Company: Experian Information Solutions Inc.
State: NM
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 and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2022-02-08
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a XXXX home loan and My loan is with XXXX a sub mortgage company for Village Capital and Investment. I used the XXXX XXXX XXXX from XXXX of XXXX until XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX in regards to Post Forbearance Options. I called and spoke with XXXX and he explained that XXXX accepts verbal agreements, so I agreed on the option of Disaster Extend Modification. XXXX also explained that after I pay XXXX " trial payments '' I will be out of my forbearance and into my modification. Today, after making full mortgage payments for 6 months in XXXX Dovenmuehle is telling me I can not the Disaster Extend Modification but instead a VA Disaster Modification which is explained in their document as a modification, " if you can not resume making the full contractual mortgage payment ... '' ( please see attached ). XXXX is insisting I accept the VA Disaster Modification, described as " If you can not resume making the full contractual mortgage payment you may receive a modification that changes your payment terms '' if I accept this modification it will not be truthful because I have made my mortgage payments for the last 6 months. In XX/XX/XXXX I have called XXXX several times, messaged them on XXXX, called the VA hotline and spoke with XXXX XXXX in regards to my mortgage, and spoke to someone with answers but still, the Dovenmuehle employees who call me have no authority to make decisions or have no understanding of the VA Loan Modification Options. I send an email to them requesting a modification plan and the only option they have for me is a plan that is described for people who can not make their mortgage payment and that is not me. They told me I have to call Village Capital Investments to talk to a manager and when I spoke with XXXX, she explained she can not make any decisions because my loan is with XXXX not them. The last week of XX/XX/XXXX, I spoke with XXXX, XXXX XXXX, and XXXX, and all of these employees could not assist me with ending my forbearance and explaining my modification options. They are telling me Village Capital Investment is refusing to modify my loan and is not giving me any options. I do not know who owns my loan because none of these companies are claiming my loan. 

Modifications options are not the only issue I am having with XXXX. They continually give me incorrect information. I have been told by several associates that my account will move to Village Capital Investment, and they have no explanation of why. Also, I am a 100 % XXXX veteran and XXXX pays my home tax and they still have not modified my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, INC.
State: GA
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:
I filed a complaint against Equifax less than 36 hours ago with you the C.F.P.B. and my credit score dropped XXXX points. 
Nothing on my report has changed, yet my score dropped XXXX points. 

I say nothing has changed or happened except the complaint I made against Equifax which is true but in all fairness this happens all the time. 

By this happens all the time, I mean my score drops all the time by XXXX to XXXX points without any explanation as to why. 

Not a big deal unless you 've spent the last 8 years trying to get your score fixed like I have and these little score hits happen every month. 

XXXX points each month equal up to be XXXX points each year! 
It would make more sense if I did n't pay them each month for the ability for me to check my score daily if I want to, but I do pay them for this lousy service and have. 
I 've had this monthly subscription with Equifax since XXXX. 
paid them {$20.00} each month, {$240.00} each year and over {$1000.00} since XXXX ( give or take a few months )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
XX/XX/2021 Lawsuit has been and a court date set filed by my attorney in XXXX XXXX in Civil court against USAA false claims on my credit report and failure to conduct any investigation of fraud on my account. I have had USAA served and no response at all from USAA. They also bullied me into paying {$1800.00} of the fraud charges due to they knew I am XXXX XXXX XXXX and cant have bad credit. 


USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX Dear USAA After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX XXXX living on XXXX XXXX. Why would I ruin XXXX years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI IC3 Ic3 XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit. 


ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I have been a Bank of America customer for 30 years and never received a call back regarding this matter. I had contacted Bank of America to question a charge of {$930.00} on XX/XX/24 that it was not authorized. In addition, to another charge but they have never bothered to call back. They have not answered all my questions to the complaint. I requested a copy of the paperwork and none of them had my signature on the receipt that I approved the charges. Bank of America never investigated my claim and closed the case. Also, Bank of America Regulatory Dept. XXXX XXXX never called back after I left numerous messages for her for almost a month and but she never called back and I have been a customer for 30 years! Wow! 

Bank of America doesn't follow Federal banking laws and regulations.

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 2017-11-06
Company: Southwest Credit Systems, L.P.
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 collection notice form southwest credit stating I owe XXXX. I contacted both parties and received the run around. XXXX said it was equipment charges but I could n't find return receipt. I later found and called southwest and they stated it was a contract fee. We still have XXXX XXXX installed in home so therefore no contract fee should apply. We never received break down of how fees applied we called XXXX multiple times. They assured it was resolved but later sold the debit to southwest collections and they out on credit. My wife got a job with XXXX and we already had XXXX they advised her to add uverse internet. She explained in didnt work in area plus we already had internet. XXXX wanted to combine for employee saving and we already had a house phone under no contract. When she added the internet they merged the full account onto the XXXX platform. The internet did n't work like before and she called to remove but the installer changed the home phone to uverse also. The catch 22 was we could n't have a uverse home phone without uverse internet and no one stated that where changing or a contract was in place to try internet. I had the phone line for years and was levity. Then we end up with this larger bill over contracts we never knew about. They Fraud ed us because we already had XXXX and we already had home phone. To resolve the ended up disconnecting our entire accounts because the rep merged it into combined billing so when they tried to remove the internet it disconnected everything prompting a contract charge. They finally sorted it out we have XXXX under a new account because they counted reactivate our old account and give back our promo due to disconnection and combining with uverse. We do n't owe XXXX anything. They explained it was uverse equipment fees and I have a reciept from ups tracking # XXXX under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
I was checking my credit on XXXX website when it said that my Chase account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with XXXX which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from XXXX  would redirect me to Chase and instructions on how to unlink, the third  option after clicking on profile and settings was visit XXXX page. Problem is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called Chase where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the Chase fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext  and then not be able to unlink XXXX from your bank account. 

The Chase supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink XXXX to my personal data. 

This was accomplished through another means not the prescribed bankXXXX method. 

Its obvious the bank and XXXX are in XXXX XXXX XXXX you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My XXXX XXXX XXXX has an airbag issue. We took it to the dealer and they need two parts, one of which has arrived, the other of which has not and may take some time. They gave me a loaner, a XXXX  XXXX, which is inadequate for my needs as I have three children in car seats. 

The loaner is not able to accommodate three car seats which we need for basic day to day driving. 

The loaner was provided by the dealer and XXXX is saying they can not provide me a car of similar size because they rely on dealers for loaners. 

While I am sympathetic to that the part being delayed, I am not sympathetic to making payments on a car which I don't have use of but need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a certified mailed letter to Diversified Consultants , Inc. asking them to send proof of the debt that they claim I owe XXXX. I believe this debt to be in error. They have put this debt on my credit report, I asked them to remove it until proof of the debt was made. I have tried to get this debt verified with proof on several occasions. Diversified Consultants just replies that the debt is verified, but have not sent me any proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which BANK OF AMERICA is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I received an automated response from them and they did not update the credit report as disputed. 

BANK OF AMERICA is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA. 

Attached is the letter I sent them and the response from the BANK OF AMERICA.

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