BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to the pandemic i have been unable to make the minimum payments on my Capital One Credit card. I called and spoke to a rep who stated no problem they can help. I explained to them my wife has become XXXX and is no longer working. She recently filed for XXXX but has not been approved as of yet. My income right now is not enough to cover my mortgage, food, health insurance etc.this time. I even explained i have not received a stimulas check either. They stated due to the pandemic they are willing to work with customers by waiving interest and late fees during this time. This would be ok for the next three months then they would review and see where i am at and may extend offer if need be as long as i didn't file for bankruptcy. They stated pay what ever you can until you can catch up so i agreed. Several days later they billed my card another XXXX interest fees, XXXX past due fees and XXXX dollars membership fee. My card has a XXXX limit on it and its currently at {$9100.00}. How are they allowed to charge me fees for a card i am unable to use? I called and spoke to them about the agreement and they stated who ever told me that was incorrect they only waive a late fee of XXXX that's it. I stated what good will that do if i cant afford the minimum payment which at that time was XXXX now its currently at XXXX and climbing.If i do what they say and just pay what i can the following month i will owe it all again and then some. My payments have always been current up to this point and you would think under these circumstances they would waive all fees during this time and allow the customers to pay down what they owe without being ripped off.Capital One is clearly taking advantage of their customers. This activity should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Two weeks ago I was notified that I received a notice that my credit score with Transunion dropped from XXXX to XXXX due to a late payment. At that time I started investigating to find that XXXX XXXX posted a late payment of 30 days for not paying the annual membership fee. The card in question was to be closed by my request a month earlier. After filing an online dispute I received another email stating the my credit score went down 122 points ; currently at XXXX from XXXX in a two week period. 

I then called Transunion to get clarification on how my credit score dropped 167 points in a two week period and to check on my online dispute. First, the agent indicated he did not show an online dispute therefore he would initiate it ; to date, the dispute number he provided does not show on my account. As far as the score dropping his explanation was that every bureau calculates the score differently and they have 3 methodologies for credit cards, loans, and mortgages. 

I have a very low debt to income ratio, The only financial changes in the last month was purchasing a vehicle and paying off a different vehicle. All other loans and credit cards have been in place for over a year to several years, I do not understand how the credit bureau can " make up '' there own methodology and algorithm for determining ones credit score, I still have no explanation to why or how my score dropped so significantly or a resolution to the credit dispute. The charges assessed by XXXX XXXX have been reversed although it is not reflected on my credit report.

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 2019-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX  ( now XXXX XXXX ) agreed to terminate my Merchant Service Agreement on XX/XX/15. XXXX XXXX, bank branch officer, was given a copy of the letter terminating my agreement. Since the termination, on a monthly basis, XXXX XXXX has been allowed to debit my account anywhere from $ 40- {$120.00}.

This has added up to between $ 2500- {$3000.00}, the exact amount being difficult to determine. The reason it is difficult, as you will see on my attached document, the bank has made it very difficult to know it was being charged by a third party. This is why it was not picked up till 4 years later. The bank told me that anyone can debit an account and it can only be stopped by the owner of the account. They said take it up with XXXX XXXX. I am contacting you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: OPORTUN 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: Information belongs to someone else

Complaint:
Hello! I have submitted disputes to each credit bureau for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX access I did not open these accounts and i just realized their on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2019, I received a voicemail from Citi saying I should call them back, but didn't tell me why. I wasn't sure if it was a scam so I logged into my Citi account where I received a notification that my account was in collection. I checked my records and realized that I had not received a bill for my DoubleCash card since XX/XX/XXXX so I called Citi to let them know. The service person confirmed my bill was late and I explained that it was only late because I had not received a bill. I asked him what I owed and he told me what I owed and explained that I also had a late fee. I told him that I would immediately pay what I owed, but didn't feel that I should pay the late fee because I didn't receive a bill. He told me he could not remove the late fee so I told him to close my account if he was not able to do the right thing for a customer that has a strong history of paying his bill on time and in full for every billing period he received a bill. He did confirm that I have a long history of paying my bill on time and in full, but still could not remove the late fee. 

I have scheduled an online payment for the amount I owe, but still do not think that I should have to pay the late fee or lose the reward dollars I earned. The payment is scheduled for XX/XX/2019.

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 2018-07-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sirs : I made my mortgage payment that was due on XX/XX/2018 on XX/XX/2018. Copy of that payment notification is attached. Ditech has not posted this payment to my account to reflect that the payment was made. They created a statement on XX/XX/XXXX reflecting that the payment is due on XX/XX/2018, attached I called during the week of XX/XX/XXXX- XX/XX/XXXX and was directed to the servicing department who stated that they would fix the issue and that i would receive an E-mail to that affect. I received an E-mail that the problem had been fixed and was directed to go to the web site. I went to my account on the web site and nothing had changed. I called the week of XX/XX/XXXX-XX/XX/XXXX and was told that there was a computer issue and that i would receive a statement. This has not happened as of this note to CPFB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is concerning a dispute original filed in XXXX, and continued throughout XXXX into early XXXX, throughout which period I provided numerous supporting details and corresponded extensively with Chase Bank before they ceased responding. 

On XX/XX/XXXX I was charged {$1000.00} to my Chase credit card by a mechanic who DID NOT perform any repairs on my car as a " release fee '' ( he had quoted {$120.00} ) for my vehicle. He also charged {$1300.00} to the other card he'd taken on file, which XXXX XXXX promptly refunded when disputed. However, Chase bank has maintained for 2.5 years now that since I provided the mechanic with my card, I thereby " authorized '' him to charge me the {$1000.00}. 

His charge was illegal. He did not provide me with a quote for this amount, as required by Ohio law. He did not perform any repairs. He also illegaly refused to release my car, forcing me to call police multiple times, and file several reports that he apparently " smoothed over with his friends at the office '' ( direct quote ). 

This is illegal. Chase Bank is a disgrace. I am requesting {$2500.00} compensation for the abuse and wasted time I've endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
Unauthorized and Inquiries on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/21 around XXXX I called the number XXXX because I receieved a text message from XXXX saying to call my Citizens bank account because it was an emergency. When I called the number, they asked my 16 digit atm debit number, my social, date of birth, security code, pin, and date of expiration. I did not realize until it was too late this could be a scam and I didn't get a notification from my bank. My banks customer service is not available at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 have an Enterprise Bank Bonus Rewards Visa Card through Elan Financial Svcs where I make a {$39.00} minimum payment. I recently have gone through financial hardship and have been late on making a few payments when moving back home to get a job. It didn't help that they raise my APR to 25 % and the dates are inaccurately imposed on my credit reports. It states that it was opened XX/XX/2014 ( 5 yrs, 11 mos ago ) This has completely ruined my chances of getting financed for a home for me and my wife to start a family.

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 2020-04-30
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX i had my house scheduled to refinance with Freedom Mortgage for a XXXX  loan. The notary had a tire blow out and couldn't make it. I realized it was Friday and we couldn't reschedule but i never heard anything from XXXX XXXX XXXX XXXX. I Finally lwas able to reach XXXX XXXX the following Tuesday XX/XX/XXXX after leaving several messages and emails. He informed me he would send a email to the closing department and i should hear back from them. Nobody ever called. I called several more times because i was getting quite concerned that maybe this was a scam and i finally got in touch with him. I expressed my concern and his response was " what did i want him to do ''? Well i justvwas trying to get some information I was told to hold my payment and i didn't know what to do. Finally someone called and informed me they were working on it and i closed XX/XX/XXXX. 
Customer service was horrible and no one should be put in this same situation. 
I please ask you to help so no person has to go through this kind of stress.

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 2019-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since the end of XX/XX/2019 to present, I receive 10-12 ROBO calls/week from this company calling itself a Debt collector and student loan forgiveness/negotiator. I researched every number that this SPAM caller used and traced each number to a Portfolio Recovery debt collector. I blocked each number yet, the calls keep coming in, a different number that indicates on my caller ID, Debt Collector or Suspected SPAM, and no message left on each call. I reported every number to the FTC and I am registered with the national Do Not Call list. I have Caller ID Lists dating back to the end of XX/XX/2019 that displays each number, the day and time and date I received these SPAM/ROBO calls from this Portfolio Recovery. I was directed to contact the CFPB because of the excessive/extent of each call and when I initially answered the call the voice response made an offer to forgive my student loan, and or, negotiate a payoff. I am currently involved in a claim I filed against a student loan collection agency ( XXXX ) and I don't know if this SPAM/ROBO debt collector Portfolio Recovery is affiliated with XXXX. I have an account ( s ) with the CFPB regarding this agency ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was paid in full and has XXXX balance. Please remove it from my credit report.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i sent a letter to XXXX dated XX/XX/ 2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.

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 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Asked Transunion to remove all inquiries since they were resubmitted and I received no warning that they were gon na put them back on my credit report, they need to be removed. This is an illegal act.

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 2020-04-30
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Due to the Covid-19 virus, I lost my job and filed unemployment.I thought i would receive my card within two weeks and it has been almost one month.I have money on a card i have never received.I have contacted the number on the back of a card my friend showed me he has and i can't get in touch with anyone.It would be easier if the unemployment office i have been directed to a few times would actually answer, but that will not happen due to over 13 million people having the same issue in the state of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, we had an insurance claim on our home and when the insurance company ( XXXX  XXXX XXXX ) settled we found that bank they placed was the incorrect mortgage holder, so as we had to enter Ch XXXX bankruptcy due to fraud paperwork, signatures and embezzlement, we were forced to put the supposed bank that was sending the proof of claims to the trustee and our lawyer which was XXXX Investors. But we then were forced to send the check in good faith in late XXXX to a bank called Shellpoint, which we understood doing the debt for XXXX, so that we could have the bank sign off so that we could repair our home and get the other part of the claim money as well. The total claim was for around XXXX, but we only received like XXXX, until work was completed. In late XXXX we filed a demand order to ask why check had not been returned, and in XX/XX/XXXX, had a hearing in Bankruptcy Court and judge demanded check be found and send to us ASAP. The bank then asked for the rights to have check reissued again through the court system and the judge granted and this was done about a week after hearing in XXXX. To date we have yet to see that check and for the most part, Shellpoint has frauded the paperwork that was entered into a foreclosure complaint in early XXXX. We would really like the check forwarded to us as they were asked in XXXX and would be nice if they would forward original mortgage in which they say we are a part of, because those signatures on that so called mortgage is not our signatures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Equifax Credit Bureau : Inquiries : 1. XXXX  XXXX XXXX   XXXX 2. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX  XX/XX/ 5. XXXX XX/XX/ I did not authorize anyone employed by these Equifax to make any inquiry and view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX XXXX score as ofXX/XX/2018 is : XXXX Experian score as of XX/XX/2018 is : XXXX  I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.

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 2018-11-09
Company: EQUIFAX, INC.
State: LA
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/2018, I submitted credit report disputes to all three credit bureaus : XXXX, Equifax, XXXX, which were received on XX/XX/2018through certified mail.

I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors.

I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home.

I received letters on XX/XX/2018 from Equifax, and XXXX.

I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word.

In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED.

All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports.

These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.

Company response to consumer: Closed with explanation