BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX my driver 's license, my social security, my passport, and other personal items were stolen from my car. At that time my credit history was starting, so when I reported to the credit bureaus they just put an alert for 6 months. 

In XXXX, someone got credit cards from Capital One, using my identity. I recently discovered this when I downloaded the app XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on a income-driven payment plan for at least 2 years. My plan came up for renewal in XX/XX/XXXX ( current plan expired XX/XX/XXXX ), I promptly renewed, received a letter telling me they got my renewal application and then a few days later ( XX/XX/XXXX ) got another letter telling me my renewal was accepted and there was nothing else I need to do. Then today ( XX/XX/XXXX ) I received a letter telling me I failed to renew my income-drive repayment plan and my payment was doubling. So far no response from Navient on why they doubled my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: BARCLAYS BANK DELAWARE
State: MD
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 purchased airline ticket online from XXXX XXXX XXXX website on XX/XX/2020 using my Barclays Master Credit Card ending in XXXX. Travel date was XX/XX/20 and XX/XX/20 from Washington DC to XXXX. The flight was cancelled in XXXX due to Covid 19. The airline has not refunded the money or responded after many attempts via phone, email, and online submission. 

I disputed the charge with the Credit Card company in late XXXX, and made repeated attempts in XXXX, XXXX and provided additional information they requested. On XX/XX/XXXX, Barclays card sent me letter saying they are unable to pursue credit since the chip on the card was read and validated, or the card was present and CVV confirmed. 

As I mentioned, it was a online purchase. I demanded Barclays provide evidence of reading the card or physical transaction record. OnXX/XX/20 Barclays sent a letter saying that they are unable to complete my request and that's the end of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Mohela offers a .25 % interest rate reduction if you schedule auto deductions. The problem is that they withdraw the monthly even if it is not due. By way of example, if your monthly payment is {$590.00} and due on XX/XX/XXXX, but if you make the payment in full on XX/XX/XXXX, Mohela will still automatically withdraw {$590.00} on XX/XX/XXXX despite the fact it is not currently due. This double dipping is unfair to student loan borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was transferred to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, Ca XXXX. Mortgage payment is due XXXX of month. I sent payment by automatic transfer from my bank on the XX/XX/2019.0n XX/XX/XXXX a statement was sent saying my next payment would be due XX/XX/XXXX19 for XXXX and XXXX payments.Icalled them and they said payment was received by them on XX/XX/XXXX and to disregard letter. I complained to them that electronic transfer was received on the XXXX when I sent it and they hadnt bothered to record it until the XXXX. That same day I spoke to them I received another notice dated XX/XX/XXXX that said my mortgage was delinquent and I owed not the {$1700.00} payment but {$1800.00}. Please help. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a CITI Double Cash Card. On XX/XX/2020, when checking my account online, I was shocked to find my Cash Rewards in excess of {$1400.00} was now {$1.00}. I later find out that they were converted to what CITI calls Thank You points and then were redeemed. The conversion to Thank You points and the redemptions were both without my or my wifes authorization as neither of us even knew what Thank You points were. No one else is authorized to use the card. I reported the incident to CITI on XX/XX/2020 and the representative told me they would have to investigate the incident and that it would take 7 to 10 days. This was the second time this has happened and the first time after many phone calls, CITI converted the rewards back to cash. I received a letter from CITI on XX/XX/2020, dated XX/XX/2020 stating that they can not convert the Thank You points back to cash. I called CITI that same day and spoke to several representatives, including supervisors, and they all told me there was nothing they could do. Thats when I decided to file a complaint with CFPB. After this is resolved, one way or another, I will be closing my account at CITI,

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX Account Number : XXXX ; XXXX  Account Number:XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX  ; XXXX  Date of inquiry:XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: Smith, Rouchon & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had XXXX XXXX  XX/XX/XXXX and went to XXXX XXXX XXXX XXXX I did not have insurance at the time but when i received the bill the hospital closed down so I did not know who to contact to set up arrangements to pay and I have not gotten any letters. My bill was {$5200.00} and now it is on my credit report. 

I had XXXX on my XXXX  on XX/XX/XXXX with XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did have insurance at the time and paid all my fees and I moved to XXXX  the same year and out of nowhere I saw this bill for {$98.00} on my credit report which is not fair there was no contact from them or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, IncXXXX is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.

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 2021-02-24
Company: Experian Information Solutions Inc.
State: MI
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 first contacted XXXX XXXX  to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from Experian indicating me that my credit sore drop 39 point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop 39 points, in addition I never gave XXXXXXXX XXXX consent to pull my credit. I fill strongly deceive by both XXXX XXXX, as well as Experian. I tried reaching to Experian to there supervisor XXXX XXXX via email but he has never replied. I talk with XXXX XXXX they told me that they would have Experian remove the inquiry immediately. Yet they have not I'm asking CFPB to have Experian to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance 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 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I accept an offer from XXXXirst Bank Puerto Rico to refinance a 1.7 % 15-year mortgage in XX/XX/2021. Now they want to raise the interest to 2.5 % claiming the Federal Reserve raised the interest which is not true. They offer Me another offer at 1.8 % interest but with higher closing costs. 
Is this misleading or illegal? Do I need a lawyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below. 90 days late XXXX XXXX 90 days late XXXX XXXX I am not sure how this happened since I was enrolled in school at these dates and when contacting nelnet directly they informed me this information has been updated in which it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I contacted XXXX  XXXX to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX  XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up. 
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX? 
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for XXXX andTransUnion.

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 2020-05-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I responded to an ad for an apartment in XXXX listed by a XXXX XXXX who claimed to be the owner. I requested references of previous tenants he had hosted and he gave me 2 tenants info. I contacted them both via phone and email and got good reviews about the apartment. Once I had confidence in the listing I used XXXX to pay for the apartment for the month of XXXX. I used XXXX in my chase account to give Mr. XXXX XXXX {$1300.00}. I will attach emails with information he provided me and a rental receipt he gave me. When I arrived to XXXX to collect my keys XXXX XXXX had disconnected his phone and stopped responding to emails. The listing ended up being a scam. I contacted the police, XXXX & chase on XX/XX/XXXX. XXXX and chase both told me I was not Protected and could not get my money back. I am absolutes gutted and hoping to get some sort of funds back as I used much of my savings to secure this rental. I will attach all proof of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2023-02-27
Company: Consumer Adjustment Company Incorporated
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and XXXX XXXX needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card account was closed and when I called to speak to capital one to ask why they said it was for too many return payments, I explained to them that the last 5 month my account has been active and up to date sometimes even paying off the balance in full also at the time of the return payments my account was already up to date with monthly payments I was just attempting to make a extra payment I also explained that I made the payment but never made it to my bank to put the cash in because I had to go to work so I just simply cancelled it and attempted the next day. Didnt think my account would be closed for this especially when I have been on time and accurate with all payments prior. So I was told an account cant be reopened and I should apply for a new account, so they run my credit again I got approved for a new card account and then after receiving it in the mail a day later that account was closed they said in association to the other account when I was just following there advice. So now after filing bankruptcy last year and starting to reestablish my credit I now have a closed account with a balance now and a brand new account that was closed right away. I believe I was treated unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: TN
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 submitted a dispute to Experian about their reporting of an incorrect balance on a XXXX XXXX Credit Card. There is no balance and the account is paid in full. I had previously summitted a dispute about this same credit card reporting a late payment. Because I had submitted an earlier dispute, Experian refuses to let me not submit the additional dispute and continues to report incorrect information about the balance of this card thereby causing an incorrection calculation of my credit score.

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