BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 a rental property via XXXX  ( XXXX ). Upon reading the reviews that came in a few days after I booked the rental I became aware that the property was unsafe and that there were roosters directly across the street from this property. I called and texted the owner regarding the reviews. He confirmed that the reviews were true. I asked him about the broken locks on the windows and he said " he never had a problem with break-ins before ''. He did not offer to fix the locks. I requested a full refund ( XXXX ) from him via the XXXX website. He only refunded my pet deposit ( {$25.00} ). I then booked another property. I disputed the charge with my credit card company ( Capital One ) for the amount of ( {$240.00} ). The credit card company denied my dispute because they " found that we already responded '' by refunding the initial pet deposit ( {$25.00} ) ( not the full amount ). XXXX disputed the refund because of their policy Which said that I had to cancel 2 weeks before my booking. Unfortunately, I booked the reservation after the 2-week cancellation policy. The XXXX terms and conditions state that the property owners are not to provide false or misleading information. It is misleading to allow people to rent your property knowing that there are broken locks on windows and roosters crowing. It should be a XXXX responsibility to ensure the safety and comfort of these properties before enforcing arbitrary policies. I do not think it is fair that I paid for a property I did not use, especially considering that the property was unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to renort Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint against Comenity Bank ( who now think they can distance themselves from their massive issues by changing their name to Bread XXXX ) is due to the fact that even though I paid all the valid charges of this account and shut off the cards associated with it, they are holding my bank account information hostage in their system. I am unable to delete my bank account information because they have posted fraudulent pending charges from XX/XX/XXXX XXXX  and XX/XX/ for over {$8000.00}. These are charges that were already been paid on time and in full. I contacted them several times by phone and through their message system, since the beginning of XXXX XXXX Their agent XXXX, promised that these fraudulent charges, that suddenly reappeared in my account, would be removed within two days ( that date of removal would be XX/XX/ ). As of today, the fraudulent charges remain stuck in pending and have not been removed. Because they will not correct this, it is preventing me from deleting my bank account information from their system. I am not leaving my account with my current bank account information in it for them to steal my money. 

Since their IT upgrade in XXXX XXXX their systems are a train wreck and they have continued to compound the problems by falsely promising resolutions within two business days and fail to do anything to resolve these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a follow up to XXXX I have not received billing notifications online or through the US mail. After my previous complaint I received a notification for the following month. I received no further notifications. 
I still do not know if this is the result of simple incompetence or a scheme to collect additional fees. It appears the only way I can receive the promised billing notifications is to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, 2021 I applied for a credit card with Penfed, Penfed requested personal document Identification with photo and Social Security Card. 
On XX/XX/2021 after I sent all the information requested I contacted an agent of Penfed using the chat in the contact option for the bank. The agent in the chat informed that my application was conditional approved they just need to review the documents I sent and I should received the response in 24 hours. 
On XX/XX/2021 I Called Penfed Over the Phone due To not Getting the Response within The 24 Hours indicated The day before. 
On XX/XX/2021, I called Penfed again, and the agent that answered the call hung up on me after I was 45 minutes in the line waiting for him to get a supervisor ; my account was fully verified by the automatic system, and I also confirmed my history with him before asking for the supervisor, I am assuming the agent hang up on me in propose because he did not call back even that my contact information it's on my account with Penfed.

I called again to Penfed and spoke with a supervisor and explained to him how unprofessional and incapable its Penfeds customer service and how I feel About being Treated so rudely. 
A few minutes after the call, I received the denial email for the credit card. For unjustified reasons, on XX/XX/2021 the actual card I have with Penfed was approved with more inquiries, more balances, and the worst credit score.

Penfed denied the credit card that I was informed was conditionally approved for retaliation. Because of discrimination against me, I sent a valid ID and social security card that matched the information in the application that I was conditional approved.

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 2020-07-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Continually the same problem with this bank. Incorrect balances, I can not sign into the so called MY SYNCHRONY data base t0O make a payment, Customer service experiences rude, unprofessional, uncaring and problems remain unresolved. Current balance incorrect and they really do not care pay or else. They do NOT respond in writing nor do they ever keep conversations on file that reflect customer side - only theirs! Right now and gain I can not sign into the data base to make a payment! \IT would be nice if you could correct the incorrect information you continue to populate for years!!! Then again you evidently do NOT read these comments or if you do you do not comprehend English? You tell me? 

SEE -- -- Your contact information XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Females in America are not identified as 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 monetary relief
Consumer complaint received 2021-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I had XXXX XXXX close my account back in XXXX of XXXX and issued me XXXX cashiers checks XXXX for {$46000.00} and another one for {$5000.00}. XXXX XXXXXXXX claimed the checks have been mailed out and they would need to be signed for. XXXX weeks go by and not one check has been sent. No postal service people came to my home to have me sign anything. I have cameras to prove that as well. After informing XXXX XXXX they told me the checks are still in XXXX and haven't been mailed. I was told they were supposed to be overnighted and they weren't and on top of that they couldn't just stop the check and issue me the funds. After a week they declared it lost and the branch manager XXXX told me I can get my checks reissued and he would call me back to tell me when I can come in. After an hour all of sudden he tells me the checks were cashed but couldn't tell me where and who cashed it. All he said was there was a signature on the back that looked nothing like mine. Now he tells me I need to work with XXXX XXXX XXXXXXXX Fraud Department after XXXX  months working with them and many affidavits later. They found it cashed at a chase bank but had no Information on who cashed them. Then XXXX XXXX then issued XXXX letters to get a response from Chase ; they sent letters on XXXX. After finally getting a response from Chase we came to find out someone fraudulently opened a chase account using my name and information. I had all my accounts closed with Chase back in XXXX of XXXX and was told the banking relationship was over and can never open an account again. So Im wondering how the XXXX can someone can possibly use my personal information on a fake license to open an account. I been cooperating with XXXX XXXX  the whole time and they wont take responsibility for the lost checks. Chase knows I cant open an account so how and why would they let

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, Transunion, and especially XXXX. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : XXXX : 1. XXXX XXXX XXXX XXXX -No Information provided original letter attached and ignored response {$100.00} 2.  XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - XXXX  claims to have verified this from XXXX XXXX but my XXXX XXXX account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


Transunion 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.

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 2023-08-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In accordance with the fair credit reporting act Synchrony Bank, has violated my rights. 

15 US 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-02
Company: EQUIFAX, INC.
State: LA
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 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 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
We have a credit card with Capital one that has both our names on the account, XXXX XXXX and XXXX XXXX, married. There were some small charges that appeared this summer of 2019 from a company called XXXX XXXX on the joint account under XXXX 's credit card. We called capital one and they stopped the charges and issued a new credit card for XXXX. Later on in the summer, we thought we had not activated the credit card yet when new charges from XXXX XXXX appeared on XXXX 's card again, One on XX/XX/XXXX and one on XX/XX/2019. We again called capital one and this time they told us they would investigate the charges and give us the money back to see who this was coming from. We had a new card issued and did not hear back from capital one. The new card was never activated and yesterday we noticed a charge on XXXX 's card from XXXX XXXX, on XX/XX/2019. We know her card was not activated before this charge was made to her account. All of the credit cards she has gotten through capital one have different account numbers on them so no one has had access to the third credit card that we just got because it has been sitting in a draw at our house unused. The only people who have had access to seeing that card are the workers at capital one and the postal service as it was sent through them. We have wasted time on the phone with capital one at this point because the cards are being charged by this same company over and over again without any resolution from capital one. Without us activating or using the credit cards it concerns us that someone has unauthorized access to capital one 's new credit card numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: MN
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 disputed this charge off on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax  is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
MUFG Union Bank of California is holding my funds since the deposit is greater than {$5000.00}. Bank is reserving the right to do so past the 5 statutory days according to the FDIC directives. The held funds resulted in unsuccesful payment due to unsufficient funds on the account. The bank Ledger balance showed {$8400.00} prior to me making the payments to the respective vendors. Nowhere within the information available to me was there a note saying that the shown balance was actually on hold and for what duration of time. So BALANCE was showing positive until I made the payments. Only after doing so the existing balance of {$8400.00} turned into a - {$1900.00}. If the bank acted correctly and have shown the negative balance due to the HOLD on funds from the begining I would not attempt to make payments to anyone. Afterr calling the bank their representative advised me that they are well within their rights to do what they did even after i pointed the fact that the BALANCE was shown positive before the payments were made. The deposit was made on the XX/XX/2019 and they are holding the funds over {$5000.00} untll the XX/XX/XXXX according to the representative and the letter I received today XX/XX/XXXX. According to the document the {$3200.00} are held for 10 calendar days.

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