BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX 2016 letters containing checks I had mailed to pay bills were stolen. ( Never use a mailbox outside the post office. ) One such check was " washed '' - everything I had written on the check, except my signature, was deleted, and replaced with new information - different payee, different amount, etc., in handwriting completely different from my signature. My bank, US Bank, cashed the check, notwithstanding that : ( 1 ) the ( fraudulent ) endorsement, and all the substituted information ( payee, amount, etc. ) were in handwriting completely different from my signature, and ( 2 ) even more troubling, the back of the check was blank ( except for the fraudulent signature ), i.e., no stamp or any other indication of which institution had accepted the check in the first place. When I asked someone in the US Bank fraud department how they could have negotiated such an obviously fraudulent check, she replied, " Oh, we ca n't look at every check. '' When I wrote US Bank 's CEO, XXXX XXXX, to express my concern about this, which is clearly not merely negligence, but rather willful misconduct, one of  his subordinates replied, confirming that " we 're unable to manually inspect individual checks .... '' To me this is incomprehensible - surely one of the most important if not the most important function of a bank is to take all reasonable steps to verify that checks presented are at least not patently, obviously fraudulent, as this check certainly was. As indicated above, this constituted willful misconduct. 

But that 's not all. What followed has been months, now almost one year, of extensive disruption and an incredible loss of time just trying to put my account in order. I will not detail here all the difficulties I encountered in this regard ( which would have been even worse but for the helpful efforts of a couple of very diligent employees in my branch ), except to note US Bank added insult to injury, or perhaps injury to injury, by adding new charges to the new account I was compelled to open. At this time, a good 10 months down the road, they have refused to eliminate those new charges. In short, I am being penalized for the bank 's willful misconduct!

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 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with Capital One. I never had an account with Capital One that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was targeted and discriminated against by capital one credit card company. They placed my account under fraud for the capital one credit card. The reason being that I my account was place indiscriminately under fraud is because of declined payments. At not time was there any complaint about the accounts or any outside contact stating the accounts I attempted to use were fraudulent. The only reason accounts payments did not go through is because of the pandemic and struggling with lack of income and when attempted to make the payments truly believed monies would be in the account but have had several delays form unemployment claim. Capital one even denied payment my husband attempted to make for me through his saving account even though the money was there. they denied me being able to pay balance with debit card due to being labeled fraudulent. Have made it very difficult to resolve the fraud label and did attempt several times to resolve there issues. And then finally closed my account stating i did not uphold to the ethics standard they set. This has negatively affected my credit, my ability to purchase reliable transportation and qualify for credit needed. As well as this situation has caused me humiliation at being labeled fraudulent / also pain and anguish at nt being able to understand why they are calling me a fraud when did nothing wrong other than have struggled due to national pandemic and issues beyond my control with my unemployment claim being paid out on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR

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 2018-10-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Opened account in 2013. Name on card is using my middle and last name. Attempted x3 to get name corrected, but they never corrected it. However, have been using card since 2013 regularly. 
Suddenly card did not work, so when I called, and was told there may be fraud on account, but can not tell me the charges, nor could I go online anymore to verify my account and charges. I told them I have a credit score of XXXX and want to make sure they do not charge late fees or report my account late if I can not go online, have no statements nor can they verbally verify purchases. Nor did they contact me in any form that there were possible fraud charges. I called them when the card didn't work. They said they had to authenticate me, so I went to a website under their direction, did a video and took a picture of my drivers license, they asked me my date of birth, address and SS # and after all that and 1 hour later, said, oh, we can't verify you, but I could make a payment over the phone. I said make a payment to what?! What are the charges? Still they couldn't tell me the charges. Then they said I could send my drivers license and social security care to a PO box . Geez! Really? I asked for a physical address and was going to send it registered mail receipt requested. I have sent in before my drivers licences but they have not taken care of. Now they have my drivers license and a video but still that was not good enough. Just make a payment to some random charges that may or may not be mine! What difference will it be that I sent my drivers license electronically and then the mail 3 previous times and now a copy of my social security card! They worry about fraud and security but send a copy of my drivers license and social security card through the mail to a PO Box . Now does that make senses? Also, it is illegal to ask for monies for something the consumer is unaware of what the charges are for, this is extortion. They are holding my good credit reputation hostage and pay up or else ...

I want my account unblocked to review the charges, or get a statement of the charges, or verbally be told what the charges are for, then once I verify I will pay for what I am responsible for, pretty simple. But have been on the phone 2 days, recorded calls

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 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX  XXXX {$7900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous complaint # XXXX which is closed was submitted on XX/XX/. 

From SPS you received a response where they stated " We have reviewed the call log and no consent was given to record the conversation. Because of this, we are unable to verify your claims. " However to the Attorney General of the State of California SPS wrote the following " Regarding your concern with the information provided by SPS associate on the phone onXX/XX/XXXX, we have reviewed the phone call and determined that our associate provided accurate information regarding the workout options available at the time. 

The question is why are they not telling the truth? Let me be blunt. They lied to you. 
The enclosed letter from SPS to the A.G. is the opposite what they stated to the CPFB. 

The problem I have now is SPS is trying to extort {$7400.00} from me when the balance I owe is {$460000.00}. They are threatening with foreclosure and stating that they have the right to not take my money if I don't pay this amount ( {$7400.00} ) by XX/XX/. 
I have the copy of the cashed checks for XXXX, XXXX, and XXXX that SPS cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Ray Klein, 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: Account status incorrect

Complaint:
My son had  XXXX  in  XXXX  of  XXXX . He had  XXXX   ( Medical ) a nd the procedure was fully covered. The procedure was done through  XXXX   XXXX   XXXX . On  XX/XX/XXXX , I went on  XXXX   XXXX  to check my credit, and noticed a collection account in the amount of {$7300.00}. I was shocked. I immediately called  XXXX   XXXX  and they explained that the bill never got paid so they sent it to collection. I explained I never even received a bill. The lady then said well I 'll check  XXXX  's eligibility for the date if service rendered and she found the service was completely covered. She apologized profusely and stated the hospital biller had made an error and was billing the procedure in my name, so it kept getting denied.   My concern it that this is n't fair. This has apparently been affecting my credit for 7 months and it 's still on there due to  XXXX  's own incompetence. This is n't fair to me and would really appreciate some help or insight as to what action I can take at this point.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/17 I applied for a loan with the above mentioned company and before applying I was never advised of what interest rates would be. Once I applied and was approved I was told that my {$400.00} loan would be {$110.00} but I was never informed that it was biweekly as opposed to a month. I still, do not have any documentation from the company with the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have checked my credit and do not show any balances in this amount, and do not know of any accounts that are past due with this amount. I have no Idea of what this is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received a letter from AWA Collections ( XXXX XXXX XXXX ; XXXX, CA XXXX ) claiming I owed them {$54.00}. 
Since I have never had any contractual agreement with AWA Collections, I maintain I do not owe them {$54.00}. 

On XX/XX/2019, I responded to AWA, notifying them of the action to be taken, if they were to place adverse items on my credit report. 

On XX/XX/2019, I was informed that AWA Collections had placed an adverse item on my credit report. Hence this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had phone service with google using their XXXX XXXX. When the new XXXX XXXX came out they offered a trade in program where they offered up to {$400.00} for the trade in if i bought the new phone. I agreed to this and got {$400.00} for my phone and purchased the new XXXX XXXX XXXX with my credit card. I later on decided to cancel my service with them but before I did I asked what was going to happen to the {$400.00} that I received with my trade-in. They assured me that the amount was going to be issued to the card that I had stored on file. I agreed and switched carriers. About a month and a half later i contacted them wondering about my credit and they told me the only way I would receive the credit was in XXXX XXXX credits and that no other options were available. Customer service was not able to help so he transferred me a " specialist '' to help me yet still nothing. He escalated the issue to someone else. A day later I got an email and still they were unable to do anything. Customer service recommended me to get back with the XXXX XXXX to use up the credits even though I left because of the Customer Service issues.

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 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a credit card from capital one for 12 years. I have never made a late payment and I normally pay my bill in full to avoid paying interest. Since I opened my account, Capital One has never agreed to increase my credit card limit. For the past 4 years I have actively requested an increase at least one or two times per year and my request is always denied. They provide generic reasons which none apply to me. I have called customer service but they can not do anything over the phone. Over the last 4 years my income has tripled but this doesnt not positively affect my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Diversified Consultants, Inc.
State: AL
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:
Diversified Consultants  of  XXXX , MI notified me of a debt but no additional information provided prior to placing this on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Exeter Finance Corp.
State: OR
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:
Although I had experienced identity theft, and had been communicating with Exeter Finance and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/20 I, XXXX XXXX mailed a letter to TransUnion asking for verification of debt regarding items ( XXXX XXXX XXXX and XXXX XXXX ) on credit report. On XX/XX/20 I received dispute results dated XX/XX/20 stating that the items are accurate with no proof of accuracy.

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 2020-08-24
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet changed my monthly payment from {$38.00} to {$460.00} even though I was under Covid forebearance. I stopped Auto debit because of this. The company refused to do a call back to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, Experisn And XXXX. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX  Consumer Relations regarding 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