BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had a Kohl 's Store card for many years and used it to make occasional purchases, always keeping my balance below {$500.00}, preferablly at at {$0.00} balance. I liked the rewards and coupons that I could access and that is why I kept the account. 

Back in XX/XX/2023, I was notified that my account was selected for a conversion to a Capital One Visa card. I looked for an opt out process among the fine print and could no

t find one. I asked friends and family with Kohl 's cards if they had gotten this and they had not. It was a busy time for me at work and I lost track of it. I made a small purchase using my Kohl 's account before the conversion. When I we
nt to pay the online on XX/XX/XXXX, the date that it was due, I discovered that my Kohl 's account was no longer active. I called Kohl 's and they referred me to Capital One. I spoke to a representative there and was told I had to pay the bill through Capital One instead. When I tried to pay the bill, I discoverd that I would incur a late fee because it was after hours and would post the next day. This was not the practice with the Kohl 's card. I was able to speak to someone at Capital One today and they will waive the late fee, however it will take 3-5 business days to show on the account which means I need to pay the late fee in order to avoid another late fee, and will then receive a credit which is another hassle.

I am extremely frustrated. I never asked for nor approved for a Capital One Visa card to be issued in my name. I only keep one major credit card and I don't want this card, especially since it has an interest rate of 30 %. I don't know who in their right mind would open a credit card with a 30 % interest rate! This has been a waste of my time dealing with all of this and having to keep making calls to resolve. I am concerned about how it will impact my credit if I now close the card which will be more work on my part having to call and cancel it.

Does a credit card company have the right to issue a card in my name without my permission? This does not seem legal. I am looking for guidance with how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS 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 2022-12-17
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:
The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My issue happened in XXXX. As an XXXX, i freshly arrived in XXXX XXXX from couple months spent in XXXX XXXX, XXXX. It is in XXXX XXXX I opened my bank account ( Bank of America ) .When i came in XXXX, i met someone from same country as mine in the XXXX  I was in.He lived in XXXX XXXX and told me that he needed some cash if i can help him to withdraw some cashes with his check he uses in XXXX . Willing to help him, I agreed to help him to cash a check of {$500.00}, then I put it in a Bank of America ATM machine. Couple minutes after receiving half of the amount in cash, my account was closed without any notice. I worried and went to check it with a Bank of America representative I knew on XXXX in the XXXX. I called Bank of America customer service and tried to talk with someone to explain my issue, they didn't want to hear anything from me. And also at at that time I could barely speak English since I just came in the USA with my XXXX. I decided to wait later to find a way to solve the issue. The issue prevent me from opening an account with a bank in the USA, that is why I want to solve it. My though on why all this happened is maybe the check is from XXXX. I really do not and I want some explanation.

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
around XX/XX/XXXX, I tried to use my Chase card and found out it had been canceled without my consent by a customer rep who I had talked to a few days earlier. I called and bitterly complained. The card was reinstated.

Subsequently, I wrote a letter to the CEO of Chase and copies to other departments. I received an email 4 weeks ago saying that they have received my complaint. However, that was the only and last communication. Since then I have called Chase only to be shuffled around and not called back.

At this point, Chase has lowered my credit score when they went to approve me but are forcing me to go elsewhere. 
I want a repair to my credit score ( the ding was minor since I already have a good score, but it still was unnecessary ) and I want someone in the EXECUTIVE office ( not a lowly rep who has no power and will just try to placate me ) to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cXXXX XXXX XXXXXXXX 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 2023-08-20
Company: Rent Recovery Solutions
State: WI
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:
{$960.00} Ive tried to dispute it off my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me 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 non-monetary relief
Consumer complaint received 2020-07-22
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
In XX/XX/2020 I asked about getting a forbearance however when the representative said that after the end of the 3 months I would have to pay all the missed payments if I didn't want it to show on my credit report. I told him that wouldn't help me and that I was going to keep making my payments. He never told me that there was going to be a forbearance note on my credit report. 
Also, I have called 5 times in the past 3 weeks asking to cancel this and they keep saying they are going g to send it but I have not received it. I asked again for them to send a confirmation it was sent and she said she was going to call me back and never did. I have been transferred to other debts that can't help me. I NEED HELP ... they are standing in the way of my mortgage refi that would lower my rate from 4.5 with mtg insurance down to 2.99! The refi company needs the letter ... now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: Avant Holding Company, Inc.
State: CA
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:
AVANT.com aka XXXX ( who handles the frauds, and also XXXX  XXXX ) I had fraudulent charges made in Virginia on XXXX XX/XX/2022 as a convenience store. These charges put my card over credit limit. I have been trying to get this fixed since around XX/XX/XXXX to no avail. Today, XXXX XXXX, after another 2 hours on the phone and being hung up on numerous times, I was told there was a dispute started XXXX XXXX. 

I need this fixed as it has cost me not only XXXX, but much time and energy. It is also effected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There were several checking and savings accounts opened in my name at Wells Fargo that are opened by someone else and its fraudulent my social security number is XXXX I dont know the account numbers

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 2023-08-18
Company: Collection Management Holdings, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called XXXX XXXX XXXX  someone answered and said it was the wrong office and transferred me. When the person picked up sounded like they were caught off guard. I proceed to explain I saw this debt on my credit report and I wanted proof because I never received it. He took my name and social and told me an amount of {$1.00} less than I saw, told him that then he placed me on hold and never came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2023-08-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo never rectified the problem they caused. Under writers mismanaged our mortgage. This is a ongoing problem, my third complaint. We refinanced with Wells fargo. Our property XXXX and XXXX XXXX XXXX XXXX, over 2 years ago. They appraised the property XXXX. We owed XXXX, XXXX to the previous bank. Wells Fargo took over the mortgage The following year we received letter our property was going into a XXXX, the taxes were not being paid for XXXX. We have a escrow account. Numerous letters, phone calls never rectified saying the property was not secured in the loan. The mistake they made from the beginning. I recently had to pay them over XXXX because there wasn't enough in the escrow. If I didn't pay it our payment would increase from XXXX a month to over XXXX. I paid it, but our payment still went up to over XXXX. How is it possible they can get away with this.

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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had XXXX deposited they told me I couldn't access any of my money, then told me my account was closed but I still get login and info changed emails daily

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX or early XXXX I went to XXXX Hospital Emergency Room to be seen. I was not treated since I felt better and left the waiting room where I had been told to wait since no beds were available. I never received a bill from XXXX Hospital  and only realized I was charged for this when it appeared on my credit history. I do not have the date of service, since I never received a bill or an attempt to collect. A complaint was made directly to XXXX Hospital  but it was already with collections. This derogatory mark on my credit history is making it difficult to qualify for a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: U.S. BANCORP
State: CA
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:
On XX/XX/22, I got charged for foreign transaction fee for {$34.00} from Fidelity credit card for purchasing XXXX flight tickets. I called the customer service and Fidelity credit card claimed that the transaction was made at XXXX, XXXX, XXXX. However, XXXX does not have office in XXXX, XXXX, XXXX. But XXXX, California. As per, XXXX XXXX XXXX Additionally, I have made another XXXX transaction with XXXX credit card and doesn't get transaction fee charge. As per XXXX XXXX XXXXXXXX XXXX XXXX XXXX  there will be 3 % foreign fee if the transaction is outside US. I don't have any foreign fee charge from XXXX. 

I have called Fidelity customer service and XXXX XXXX Avoided to give last name ) told me that I should pursue legal action to get dispute on my own. 

In conclusion, this is a mistake from Fidelity and I am not supposed to get foreign fee charge.

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 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX

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 2022-09-05
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer deposited my check into my Chime checking account. Within hours XXXX froze my account and requested documentation. I called in and funds were at XXXX and I could not get any answers. Finally I was told that I needed to send in my id and social security card and that it would take XXXX business days. Several days have passed and I still have received no response from the business and they still have all my funds. I have called customer service and they just keep telling me to wait 2 days on top of the days I have already been waiting. I then ask to speak to a supervisor and the supervisor just states the same thing and indicates I can not be transferred to said department, the can only way this department can be contacted is by email. I had been using this account for several months, and hours after my deposit Chime decides to just freeze account with no legitimate explanation. Upon review, Chime does have several complaints with bbb and other organizations for similar shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Been trying to get a mortgage modification for several years since XXXX. Went to court and case was dismissed been working with legally aid society from XXXX XXXX and XXXX XXXX XXXX XXXX. I always submit my document on time and now the responses I received for denial is that my credit report is blocked. A credit report cant be blocked, but security freeze and Sent proof that my credit report does not have any security freeze from all 3 credit bureaus. Also requested for them to tell me what credit bureaus they are trying to pull from so I can resolve the issue and they do not give me a response.I have been sending proofs and this XX/XX/XXXX resubmitted another loan modification packet with all requested documents and they denied me again in XXXX saying my credit report couldn't be pulled due to it was blocked. This has been going on for several months and its getting very aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Genesis FS Card Services, 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

Company response to consumer: Closed with explanation