BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: D&A Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, D & A Services sent a letter stating that XXXX XXXX was their client for a debt balance {$3300.00}. D & A Services stated they were authorized to accept {$1000.00} on behalf of their client, due XX/XX/2019 as settlement in full. I sent {$1000.00} to D & A Services to settle this account in full and XXXX confirmed my payment was delivered to D & A Services located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XX/XX/2019 at XXXX Central and signed by XXXX . 

On XX/XX/2019, D & A Services contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XX/XX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from D & A Services to verify this new amount due of {$2300.00}. 

I checked my three credit reports and XXXX XXXX has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with XXXX since this was settled in full per the terms outlined in the letter sent by D & A Services XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: WATERSTONE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Waterstones Mortgage used 2 different closing documents and forged my signature. Furthermore, they included a fraudulent termite report and as a way to try and cover their tracks, they listed it as a concession for the inspection fee. This is just a small portion of what they did and it has seriously impacted me. The dollar amount is high and they stole money by alleging the funds were for property taxes, HOA fees, and disclosures that were never given to me. The advanced fees collected on my loan were supposed to pay for escrowed items. They collected my money but never paid taxes, HOA fees, or insurance premiums.

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 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was a victim of inquiry fraud and transunion is failing to remove these inquires off of my report I called and explained the situation that did not help. 

. 
XXXX XXXX XXXX. XXXX, XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX 3. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 4. 
XXXX Bank XX/XX/XXXX 5. 
XXXX XXXX Bank XX/XX/XXXX 6. 
XXXX Utilities & Fuel XX/XX/XXXX 7. 
XXXX Finance XX/XX/XXXX 8. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 9. 
XXXX XXXX Bank XX/XX/XXXX 10. 
XXXX XXXX Bank XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions 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:
Contacted, XXXX, Experian, and XXXX about a HIPAA violation, neither initiated a dispute over the phone.

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 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see uploaded attachment. 

Timeline Summary : XX/XX/21 : Purchased product ( XXXX XXXX XXXX known as Proxies for hobby ) from XXXX XXXX XXXX for {$350.00} XX/XX/21 - XX/XX/21 : Attempting to wait for product to work, being patient and retrying each day, logging into XXXX XXXX portal/dashboard, product never being available or working. 
XX/XX/21 : Emailed XXXX  Support requesting refund. XXXX support replied back there are no refunds ( how convenient - for their product that never worked from beginning ). 
XXXX : Investigated online for resolution/similar cases, have found many others on social media who voiced concerns/distrust with merchant XXXX XXXX XXXX XXXX - many in the same situation , purchased product but never received. 
XX/XX/21 : Opened dispute case ( Case NumbeXXXX : XXXX ) with credit card company Capital One to dispute charge and force chargeback from fraudulent/scam merchant XXXX XXXX. 
XX/XX/21 : Capital One closed case, and ruled in favor of Merchant ( not sure how, considering product was never received and merchant never proved product was working? ). 
XX/XX/21 - Now : Endless emails, calls, providing proof and documentation, screenshots with no assistance provided and hours of time going back and forth with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-08
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XX/XX/, 2019 : I received {$400.00} payday loan from www.zocaloans.com XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : I called and asked the receptionist to take the entire amount. She stated the amount would be {$490.00}. I told her I already paid {$370.00}. The contract stated my payment will reduce if paid in full. 
XX/XX/XXXX : Zoca withdrew {$120.00} Instead of taken the full amount.

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 2019-07-08
Company: Southwest Credit Systems, L.P.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX  XXXX has been reporting for years a phone that was returned to XXXX, and which was sold to me through a scam offer in the XXXX mall. I need to use my claim calls for my account to be removed from my credit bureaus. 
SW Credit Systems L ... por XXXX $ In my inquiry, I wish that all the money and the damages that this has caused in my credit be returned to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a Capital one credit card I was making a XXXX $ dollar minimum payment, without notice my minimum had raised to XXXX $ I allowed it to be okay. I asked for a credit increase over the phone and through the app and never received it with over 28 months of good payments. XX/XX/2019 I got a email from XXXX XXXX saying have a 30 day late payment I have spoken to the support and not willing to help, I never received any calls about having any late payments or missing any due dates like every other bank, my automated checking account have error and possible it never made a payment I have a family and sometimes you forget about things if this is true. Recently my wife and I inquired about a FHA mortgage loan with this bank my score was effected 37 points for this can you please understand and help me remove this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, Equifax and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Contacted, XXXX, XXXX, and Transunion about a HIPAA violation, neither initiated a dispute over the phone.

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 2019-07-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
When I signed the loan document with Regions Bank in XXXX Florida, my mortgage was suppose to be a conventional mortgage. After I moved in there were tow mortgages both variable and the agent that signed my contract had suddenly disappeared. I called several times and was told that I couldn't go anything about it. I had to refinance and now they have raised my mortgage twice this year alone. I need to have a solution.

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 2019-07-08
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
a long time ago I made the payment of the TOTAL amount of the loan to the Mobiloans company and wish to be removed from my credit bureaus the negative account report that reports and damages my credit. Rs a credit already paid and it's been a while.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In the present expose as a client my dissatisfaction with a report from Banco Santander to my credit bureaus that affects my credit score which I am protecting, I have an excessively high interest, which has sometimes been difficult for me to maintain a payment to weather. I have spoken with the bank and they have told me that this is directly with the credit bureaus. The day we decided on a payment agreement, I was conducting intensive studies for my XXXX license from the state of Florida. I ask that the late payment report from my credit bureau be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
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. 

Account name : XXXX XXXX XXXX Account name : # XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXX XXXX CONTACT NAME XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2018-01-25
Company: Experian Information Solutions Inc.
State: MI
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:
AN ERROR ON MY CREDIT REPORT only had XXXX ( instead of XXXX XXXX XXXX XXXX ) so I disputed it so they could correct it. 

I got the corrected report, which suddenly has THIS tacked on at the bottom of it now. 

" This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX WA XXXX. 

BOAT REPAIRING : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX " This is NOT true. This is an apartment complex on Federal land for Military, which also takes a few civilians. I lived there from XX/XX/XXXX through XX/XX/XXXX with my son. I am XXXX y/o and XXXX. My son worked as a XXXX XXXX for XXXX XXXX. 

NO ONE at this apartment address! 

I tried to send information and upload a PDF of proof ( TWICE ) but all I got was a notice that there had been " inactivity '' and it signed me off. WRONG. The second time was fully active and took less than two minutes to complete when I selected to upload the PDF. 

While I am at it, for the past two years I have never been able to sign into Equifax and they always wanted you to write to them to get your " Free Credit Report '' and NOW I am affected by the breach and hack on their site.

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 2020-12-22
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a returning customer, I applied for XXXX mortgage refinances with Amerisave on XX/XX/2020. At the time, I was promised some " returning customer credit '' and " today-only credit '' if I submit these {$500.00} application fee each same day by their processor. So I did pay and and began the process with them. 

My main complaints are : 1 ) My primary home refinance is taking over SIX ( 6 ) months and they are still not able to close it. 
At first, they had trouble providing a " PreApproval letter '' to my HELOC lender for subordination for months. That was processing delay on their part. Then they were not able to honor the rate they promised me, even though mortgage rates have been going down in the last six months.

2 ) I was promised {$1000.00} credit for the second mortgage refinance ( " {$500.00} returning customer '', " {$500.00} today-only if I apply '' ). These were not in the closing, and my email to the processor was ignored. I closed it anyway in the interest of time ( 3 months for this loan ). The primary loan processor promised to roll these credits ( plus the extra {$500.00} for returning customer on that loan ) into the primary loan. But of course, that loan never closes up to this point.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XXXX/XXXX/2019, my Chase Sapphire Credit Card received a charge in the amount of {$360.00} from XXXX, which I did not authorize. On XXXX/XXXX/2019, I immediately opened a dispute in the local Chase branch. At that time, Chase gave me a temporary credit for the charge. A few days later I canceled the card to refrain from my credit card being charged again fraudulently. However, on XXXX/XXXX/19, the unauthorized charge reappeared on my card again. In addition, on XXXX/XXXX/2019, I received a letter from Chase ( written XXXX/XXXX/2019 ) advising that they received verification of the charge. Yet, it was a fraudulent charge that I did not authorize. Therefore, it is impossible for their verification to be accurate, and I should not be held responsible for the charge. Chase has closed the dispute and rebilled the charge amount of {$360.00} to my card plus interest. I am not happy with the way this matter has been handled. As a result, I do not appreciate the security measures that Chase offers in protecting my account from unauthorized usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: PR
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:
This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit.

And this prevents me from buying my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  - Used the outdoor Capital One Branch ATM machine located at XXXX XXXX XXXX XXXX NY XXXX -- to deposit {$500.00} dollars in cash ... The cash was accepted by the ATM no receipt was given, the card was returned by the machine, however the funds of {$500.00} did not go into my account ... Returned to the ATM to find out what happened and the number to call for instances like this.. Spoke to a rep for Capital One got funds Provisionally ... Filed a dispute ... 
On XX/XX/XXXX Capital One said there was no error and when I deposited my paycheck on XX/XX/XXXX they took my {$500.00} back from my checking account essentially taking my paycheck in whole ... I spoke to the rep inside the Branch named XXXX XXXX.. She took my complaint.. I also called Capital One back to dispute the judgement call and was told their decision maybe final and I might not be able to get my money back .. They'll let me know in 45 days after they re-investigate my dispute ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were some issues with some branches and so I sent an email to the executive office last week. That same email was sent ccd to various people at chase executive office. 

Someone named XXXX from the executive team called me and left a voicemail on my phone with all misleading information. She refused to send a response via email. There was no extension number provided in that voicemail so that I cant track who XXXX is. 

I closed my account primarily based on what I was told by XXXX. 

The debit card team supervisor named XXXX told me today ( Sunday ) that the information XXXX has left on my phone is misleading and incorrect. I then asked to speak to the executive team. She connected me to another person saying you will be now speaking to the executive office. A lady takes the call claiming herself to be from the executive office. After few minutes of conversation I had a suspicion that the lady is not from the executive office. I disconnected the call. 

I called again and this time the representative said the executive office is closed on Sunday, and the supervisor XXXX transferred the call to some random person fraudulently claiming as the executive department of Chase. 

I called again to lodge a complaint against XXXX and asked for the complaint to be sent to the executive department directly. The representative took the complaint and gave me the complaint number and said the credit card team can open a case for me, for this particular case number to be forwarded to the executive team directly. So the call got transferred to some credit card team. 

The lady from the credit card team refused to take the complaint and disconnected the call on my face. 

It is transparent, starting from the branch representatives, to the phone supervisors and reps and all the way up to the chase executive office, all of them are corrupted. An act of corruption inside chase, as a large team.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Rushmore Service Center, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Rushmore Services persistently contacted my employer 's office after I asked them repeatedly not too. I asked to be contacted by mail if they wish to discuss a matter with me. After some research on my own they were attempting to collect a debt that was paid off. Not only have they harassed me at my place of employment, but they have a debt that has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation