BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I ordered a bedroom set from Kohls. I received everything but the dresser that for some reason never shipped. I have contacted Kohls repeatedly to get a refund for the item. They have opened multiple tickets to investigate and keep coming back saying yes you never received it, we will issue a refund. I am told anywhere from 2-7 days and I never get it. I have made multiple phone calls as well as emails communications over this issue. I called again today and was told they will not issue a credit until the third party vendor they used says why they didn't ship it. I don't care why they didn't, they didn't and I want the money back. The items was XXXX. During one of the calls I told them I still need a dresser so they placed a 2nd order for the item again at XXXX. I did receive the 2nd one and was told at that point I would get the credit back for the 1st about the same time I got the 2nd dresser. Again this has been going on since XX/XX/XXXX and as of today there is still no refund. Here are the dates I have called, I believe there are a couple more early in the process but honestly didn't think I needed to be to tracking that closing. 
XXXX, XXXX. Email communications are from XXXX thru XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a 30 day late on my credit report for XXXX for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from XXXX stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: South Carolina State Housing Finance and Development Authority
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am very close to paying off my mortgage. Due to this I was trying to do the math and used for the first time the SC HOUSING, on line mortgage information, what I notice was that the math was not adding up. 

In XXXX, 2020 I paid {$350.00} the amount due is {$320.00}, ive paid this amount for years, to reduce the principal amount, even if its a little bit. 
I had been informed many times before that any amount paid over the monthly amount it is applied towards the principal. 

In XXXX, 2020 I ' paid an additional {$500.00}. 

On my on line account I notice that the escrow amount was paid twice, I called to inquire. 

The explanation I received varied, it was the computer, we applied it to future payments, you needed to inform us how you want the excess payment applied, etc. 

When I repeated what I was understanding the conversation came back around. On this day I was also informed more than once that the excess payment would be applied to the principal. 

I was utterly frustrated and amaze that my intelligence was totally not considered, this conversation was the same with the cashier and the manager. 

At this point I requested a history of all payments made and their breakdown. 

I now do not trust this agency because their actions are showing self interest, and I am concern because I don't believe i have the true balance of my mortgage and I believe that I may have paid interest on this loan that I should not have. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: MECHANICS BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by MECHANICS BANK FKA CRB. 

I had called mechanics bank payoff a full 2 years before loan ending date. 
I got a payoff and paid it off, but supposedly there as a remaining balance I was not made aware of this. I dont receive any calls, and dont received any explanation.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account Name : MECHANICS BANK FKA CRB Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/2014 Status Paid, Closed. 

My demand is based on many damages and all the violations that they have committed : I want the deletion of late payment or removal of account ASAP. 

Please sed the attached documentation to this company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
There is a missing payroll check that the IRS is seeking-I am wondering if I cashed it because it's not on a statement. I get no response to calls and emails. My contact is 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 2021-01-27
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've had and account with Regions Bank for almost 3yrs. 
I took out Pay Day Loans due to the Covid-19 because I couldn't work companies were down sizing. 

I went into to the Regions Bank on XX/XX/2021 t close out my account. The Tailor assured me my Account would be close and gave me the receipt with {$00.00} balance. 

I'm under the impression my Regions Bank account was closed until I receive a thank you for your patient. 

When I went back Regions the Branch Manager advised me the only way they can close it has to have {$00.00} balance. I wasn't told that if something came through within 24 hours it could reactivate the account. 

To day I'm overdrawn by {$630.00}, the Branch Manger was no help at all.

I'm asking my Bank Account to be CLOSED IMMEDIATELY that all I want.

I'm not looking for in Monetary just for this account to be closed. This is affecting my future credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I had money sent over to my account ( XXXX  to paypal ). Paypal, however, closed my account without warning and is now withholding the funds for ~ 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: CT
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:
In XXXX of 2018, I made a settlement offer with XXXX for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.

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 2020-09-05
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a USPS certified mail/return receipt letter to Financial Adjustment Bureau XXXX XXXX XXXX, XXXX, IA XXXX, requesting a debt validation letter and to discuss the issue of the interest they were applying to this medical debt. 

Their response to this validation request is enclosed. I am not sure if their letter is sufficient enough to be construed as a debt validation letter. They included a convoluted statement from XXXX XXXX XXXX, but nothing that states XXXX XXXX XXXX acquired the services of XXXX XXXX XXXX to collect the debt. 

They stated " Under Iowa law, if interest is not specified in writing, it is allowed at a 5 % annual percentage rate at commences six months from date of charge. '' I went online under Iowa Interest rates laws and saw this, but it did not indicate this applies to medical debts. One website states " Whether a loan is to buy a car, a house, or just to pay the rent or other household expenses, '' but medical debts are not " loans. '' Also, in their letter they did not state what part of Iowa law they are referring to, such as chapter and sections, or any proof under Iowa law that this applies to collecting on old medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Captal one told me the account was fraudulent don't have pay it back and other close but it so delinquent by Capital One XXXX  XXXX turn around sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Premier Student Loan Center
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2018 I consolidated my loans with Premier Student Loans. Upon receiving an email from the Federal Bureau of Consumer Finance I contacted XXXX Student Loans as directed. Upon reaching out to them and going through the paperwork filed by Premier Student Loans it was made evident they were lying on my paperwork by stating I had four extra dependents in order to reduce my student loan payment. This low payment did not cover the interest and my loan amount has now raised by nearly {$3000.00} without reducing any of the principal. Not to mention I now have to suddenly make changes to my entire budget to begin paying a payment of {$300.00} more than I was before. 

I am seeking to gain more information on the lawsuit against this company and to join the lawsuit if possible. I have documentation and every email received from this company that I would be happy to share.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Buying windows from Home Depot it was charged to their store credit card account number XXXX XXXX XXXX XXXX. The order was cancelled within less than 5 days because I bought the windows from another store. I contacted the person who came to my home and I was told the charged amount was credit back to the card this was in XXXX of XXXX. In XXXX I received a statement saying I owed the charged amount with interest and late fees. I called the card and explained that these order was cancelled. I was assured that all the charges was removed and the card would reflect a XXXX balance on my next statement. Every month since XXXX they keep adding late fees and interest charges despite calling the previous month to resolve the issue. Not only have they not resolve the issue of the late fees and interest charges but they have incorrectly reported the account as late to the credit bureau affecting my credit since XXXX of XXXX. My credit score has fallen from XXXX to XXXX. Today XX/XX/XXXX I spoke to their client service department ID # XXXX who told me that I have to speak to their dispute department. Since I cancelled this order in a timely manner these charges should not apply to my account. I also asked them to close the account since XXXX and this account remains open for them to keep up charging late fees and interest that should never have been charged in the first place because this order was cancelled and the amount charged to the account never used.

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 2023-02-01
Company: EQUIFAX, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written install

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 2019-06-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Old information reappears or never goes away

Complaint:
Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: First Federal Credit Control, Inc.
State: OH
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 a collection account on my credit reports from First Fed Credit Control that does not belong to me. The balance on this account is {$70.00}. The account was opened on XXXX-13.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: U.S. BANCORP
State: CA
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:
On XX/XX/XXXX I call Elan Financial World MasterCard ( XXXX ) ending in XXXX in advance of my XXXX due date to discuss forbearance options as I had lost my job due to the COVID19. Elan Financial offered me a one month waiver of the Late Fees. I have called Elan every month to discuss my situation and inquire about forbearance programs. Unlike the credit issuers ( XXXX, XXXX, XXXX XXXX ) no programs have been available to assist me during this financial hardship. As a result of my inability to make a payment during the global pandemic, Elan has reported my account as past due to the credit bureaus. After the 30 day past due notice, on XXXX I spoke with XXXX and was advised my account was past due 55 days. He was unable to offer any assistance regarding payment options and advised " I am not part of the credit department. '' He then gave me an address to submit a dispute to their offices in XXXX XXXX. I have made nominal payments on the account ( {$110.00} or 1 % of the balance on XX/XX/XXXX ). On XX/XX/XXXX Elan Financial reported my account 60 days past due, further driving my credit score down. During this global pandemic with XXXX XXXX unemployed when we are trying to navigate rent, utility and food costs, banks and credit card companies SHOULD NOT be allowed to do 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 2022-11-19
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Balance : {$250.00}

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 non-monetary relief
Consumer complaint received 2017-09-19
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:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-11-03
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:
Someone used my personal information to open a fraudulent account that resulted in a charge off on my credit.I didnt open this account and didnt know of its existance until I received an alert on XXXX XXXX that I have a charged off account. 
Please see the attached Federal Trade Comission report and remove this account from my credit profile as its NOT MINE> I paid the balance that was due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.

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 2021-01-27
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XX/XX/XXXX, I applied to open a Citigold Interest Checking and a Citi Savings account via the Citigold Account Opening Bonus promotion page. The terms of the promotion stated that I would receive a {$1500.00} bonus upon maintaining a {$200000.00} balance in these accounts for ninety days beginning within one month of account opening. On XXXX XX/XX/XXXX, I called the Citigold Service Center, and the representative confirmed that this promotion has been applied to my account. Consequently, I deposited {$220000.00} on XXXX XX/XX/XXXX and have maintained this balance continuously for ninety days ( through XXXX XX/XX/XXXX ) and since then, thereby fulfilling the requirement to receive the bonus. However, I have not been credited the bonus as of XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I telephoned the Citigold Wealth Relationship Manager assigned to my account, XXXX XXXX, who assured me that I have fulfilled the requirements for the bonus and that he would make a service request to have the bonus deposited into my account. Furthermore, on XXXX XX/XX/XXXX, I telephoned Mr XXXX again, and was informed that the request to deposit my bonus has been approved and would be deposited into my account imminently. However, by XXXX XX/XX/XXXX, I still have not been credited the {$1500.00} bonus that I am entitled to.

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