BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Kohls Credit Card. 
1. They disconnected my account from autopay that I had been on for years without notifying me, and then charged me interest for not paying.

2. I paid the bill by copying and pasting my account information from the bank site to the Kohls site, and I contacted them complaining about what they had done.

3. After I contacted them they returned my $ $ and said I entered the wrong account information- which I know I didn't do because I literally copied and pasted it from my bank 's website, and I double checked it on entry. Then once again they didn't contact me- until after I had paid again.

4. I paid them for everything I charged but none of their fees because they were the ones that initiated and compounded the problem. They can see from my history that I am a person that pays in full each month and they should be able to see that they disconnected me from my autopay without notification. I contacted them, but they only responded by sending me a snail mail asking why I hadn't paid my bill- which doesn't make any sense since I had already contacted them twice about this online. 
5. I haven't heard anything from them. Silence. I just want my account zeroed out and closed. I will never shop there again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax previously deleted several student loan accounts and 3 credit card accounts from my equifax credit report, but these accounts that they deleted are still showing on my Equifax credit report. I do have the Equifax results documents that they sent back to me showing what they deleted, i have proof. I called Equifax last week and spoke to a customer service representative based out of the united states, the customer service rep and i went over my credit report over the phone, he stated that the accounts that were previously deleted by Equifax were not showing on my credit report anymore. I received a copy of my credit report today in the mail and the accounts that Equifax previously deleted are still showing on my credit report. Equifax also have 2 additional student loan accounts that are on the hard copy of my credit report that they mailed to me, those 2 accounts are not showing on my credit report on www.equifax.com.The Accounts that were previously deleted are several XXXX XXXX XXXX/XXXX accounts, XXXX/XXXX account, two XXXX XXXX XXXX XXXX accounts and several XXXX XXXX XXXX XXXX accounts. And some of the account numbers on the hard copy of my Equifax credit report are different than the account numbers they have on their Equifax website. I would like the CFPB to please assist me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
There was 3 unauthorized transactions made to my card on XX/XX/XXXX. I filed a dispute on this day. I received paperwork on Tuesday the XX/XX/XXXX and send it back the same day. I have called everyday to see If XXXX XXXX received my paperwork and I was told that they didnt receive it yet. It has been a week since I send the paperwork and now they telling me that I have to wait 45 to 90 days. One representative told me that If my paperwork was received by Monday the XX/XX/XXXX that they would release my money back onto my card. Which was {$410.00}. I am being put out of my house cause of this. Those companies that allowed the unauthorized transactions was XXXX and XXXX in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA NA is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CAPITAL ONE BANK USA NA but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE BANK USA N XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I attempted to pay credit card bills online and over the phone and mysteriously there was fraud alert placed on my account last night. Today I can use to pay bills at all. The number on the website doesn't have an option at all to speak to someone live at all.

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 2018-01-23
Company: World Acceptance Corporation
State: SC
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:
Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Huntington had a fraudulent account for me a few years ago, which was cleared up. I received the green light to open an account from the executive team, to find out the account was closed and the branch manager will not call be back though she said she would take care of the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letter to the organization as well as the credit bureaus without validation of debt. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
Equifax failed to respond in 30 days and they updated my bal to XXXX for the XXXX XXXX account with was cleared in XX/XX/XXXX vs deleting the account. 
I have not been successful at getting XXXX XXXX to respond to any of the letters I have sent since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-09-15
Company: Better Mortgage, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with Better.com. They took a {$550.00} upfront fee for appraisal services. I asked them specifically whether or not they serviced their own loans or if they sold them servicing released, and the agent confirmed they service their own loans. Much later, after the appraisal completed, I received documentation at closing indicating that this was incorrect and that in fact, they use a third party for servicing. This particular servicer is especially bad and has hundreds of complaints online. Had they correctly disclosed this information when I requested it I would not have move forward with the loan. I exercised my right to back out of the loan within 3 business days at the closing table, but this fee is not refunded because the appraisal had already happened.

However, I consider this a clear UDAAP violation -- I specifically requested this information, was provided the incorrect information, could not have reasonably otherwise avoided this risk or discovered the correct information from anyone else, and suffered specific financial loss as a result. Moreover, the appraisal has no practical value as other lenders have waived the requirement to even have one, so it serves no purpose or value to me as an end consumer, it only provided value ( and financial benefit ) to better.com.

While the latest loan estimate did note this, I would add that I received over 10 loan estimates from them, and several of them they admitted had been " generated in error '' due to a technical problem on their side, so there was no reasonable way for me to know what portions of the loan estimate were correct or incorrect. I have copies of emails stating the loan estimates were generated due to a computer glitch and to ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said request. In turn, they responded by accusing me of disputing the debt in question and said they would be updating my credit report to reflect my dispute. I made it very clear in my letter that my request did not mean that I was disputing the debt only that I wanted validation of the debt.They have not provided me with any documentation proving that I am obligated to pay them anything and yet they have reported negative information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw XXXX debts reported by Synchrony Bank for XXXX accounts from Walmart card and care credit. The trade lines are demanding I pay {$850.00} total. Since I was laid off, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$400.00} as payment in full. If so, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$400.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

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 2019-07-25
Company: SUNRISE CREDIT SERVICES, INC
State: MI
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:
Basically, they call Monday through Friday ( anywhere from once to ten times daily ) from a multitude of deceptive phone numbers to harass me about credit card debt. They have been doing this for weeks, if not months. Today ( XX/XX/2019 ) I responded to their call ( around XXXX PST ) and expressed to the gentleman I spoke with that I was not to be called again, as their calls are extraneous and becoming harassment. 

I then received a phone call at XXXX XXXX, not even three hours later, from a different phone number but the same company, Sunrise Credit Services. This time it was a woman and she tried to do the same exact thing as the gentleman before. I got her name and her information, and proceeded to tell her that I will be filing a lawsuit since they have ignored my requests to stop calling. 

Disgusting business practice, these people should be behind bars.

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 2018-01-23
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied and received a preapproval from HomeBridge Financial in XX/XX/XXXX. I found a townhome and went into escrow in XX/XX/XXXX, the loan officer ran my credit numerous times so he was aware of my credit score and finances, he requested documents as required and I complied with everything. In XX/XX/XXXX a offer was accepted and he informed me that my loan documents had passed underwriting and that I needed to pay the ( non-refundable ) appraisal fee to process the loan. I inquired on numerous occasions if we were good to proceed as I didnt want to spend money on something that was not going to work he said yes well the conventional loan failed underwriting, he then asked me to write a letter removing a dispute from my credit report stating it was a underwriting requirement for a conventional loan which it is not, he then stated it was my fault and my credit score as it had gone down from use when I provided him with documentation to the contrary and that my score was lowered due to his multiple running of my credit and removal of dispute he said we can get a fha loan after 60 plus days in escrow and his inability to secure a loan I am now left with a financial loss due his lack of knowledge or unethical conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XX/XX/XXXX I have purchased two {$25.00} egift cards from XXXX XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX the cards were refused at the XXXX XXXX store # XXXX in XXXX XXXX, CO stating that the cards are invalid as the PO system is not taking them. I have called XXXX XXXX and they stated that the XXXX will only honor cards sold by the XXXX XXXX directly online or in its stores and it does n't honor or address issues with cards sold through a third party such as XXXX. I have contacted XXXX and I was told that in their they the cards are valid and it is XXXX 's problem if they do n't honor them. 
The remaining balance on the cards is {$28.00} and I expect a refund for the balance I can not use. It is truly reprehensible that XXXX does n't feel any responsibility for the financial products its sells and it is just unwilling to offer any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX sent the amount of {$1000.00} to XXXX XXXX on XX/XX/2018 through XXXX XXXX XXXX  ( XXXX ). Immediately, Mr. XXXX received a text message from his XXXX  XXXX XXXX account confirming the account will be credited with confirmation number is XXXX. Furthermore, Mrs. XXXX XXXX account reflects the {$1000.00} has been successfully transferred, however, the transferred amount never arrived in Mr. XXXX account. Upon further investigation with XXXX XXXX, we found that another individual had registered Mr. XXXX phone number and linked it to his bank account. Mr. XXXX states he never authorized this. Mrs. XXXX filed a claim for reimbursement, XXXX XXXX confirmation number : XXXX and XXXX confirmation number : XXXX, on XX/XX/2018, however, XXXX XXXX denied the claim on XX/XX/2018 stating they are not at fault. 

I vehemently believe that XXXX is liable and is fully responsible for the amount being sent to someone else 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Agent name XXXX has made several calls to me regarding the Huntington debt of XXXX dollars after continuously telling him that I was unable to settle the debt outright. refused to allow me to settle with a payment plan and would continually call ( sometimes twice a week ) In order to harass and threaten legal action to receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America cut off access to my checking account without warning, and the bank refuses to provide any clear details on why my finances were seized by the bank. The finances in my checking account were essential funds, used for survival needs such as food, shelter, utilities, and transportation. Bank of America froze my funds in the middle of a global economic emergency, and I currently have no income. Bank of America has directly threatened my ability to physically survive by cutting me off from my finances.

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 2018-01-23
Company: Ocwen Financial Corporation
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: Public record information inaccurate

Complaint:
We have contacted Ocwen over 16 times since XX/XX/XXXX. We are told things will be fixed, they have the information, and they will call us back and confirm when the information is correct, and then they go dark. We recently went to the ombudsman with Ocwen. That was over a week ago. I was promised they would call us back on XX/XX/XXXX with a resolution and nothing. I called them again on XX/XX/XXXX and was promised it was getting fixed and I would receive a call back by Tuesday morning. 
Again, nothing. I called again today and explained this has costed us a LOT of missed work and LOTS of money. I also explained our loan lock was expiring this Friday for the SECOND time, and the urgency of this matter. I 'm still waiting for a response. They are reporting inaccurate bankruptcy information on 2 properties. In addition, I own an LLC with a parnter, and we were just denied our business line of credit because of the inaccurate information being reported by Ocwen. We have two XXXX in XXXX, and this is literally creating a massive financial situation for all of us, even though we are n't responsible for any of it. The ombudsman shared this morning the information WAS N'T correct and he was able to verify public records, but his " bankruptcy team was backlogged and he had to work on it. '' Truly unbelievable this company is allowed to stay in business!

Company response to consumer: Closed with explanation