BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This issue is about Capital One case number XXXX. On XX/XX/2020 I file a chargeback case with Capital One for a purchase with XXXX XXXX for the amount of {$5000.00}. On XX/XX/2020 we resolved the chargeback for {$5000.00} at which then Capital One rebilled these funds back to the merchant XXXX. The transaction listed on the bill is XXXX XXXX XXXX. 

XXXX is requesting information specifically from Capital One regarding the outcome of the case. XXXX wrote " You just need to contact your card issuer 's dispute department. Provide them the XXXX case ID ( XXXX ) as reference and let them know the status of the case on our end which is still open so they can process an update. '' If Capital One does not do this I will lose my {$5000.00} along with the merchandise I never received. 

I have spoken with Capital One and they get all defensive and say they can't do that. I had an issues with Capital One trying to cancel the chargeback. I was not allowed to cancel the chargeback the merchant had to cancel the chargeback. After about 100 or so calls I asked " do you have a fax number? '' from there I was able to have the merchant cancel the chargeback. Why I explain all of this? It was Capital One 's canceling process. 

With XXXX this is their process of closing filed chargebacks. They want to hear from Capital One about the case so they can close the case and release funds to the merchant. I do not see why I have to come here and file a complaint for something that is a simple task that they have fought me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, 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:
To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent 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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am located in Georgia and our area was declared a Disaster Area. My mortgage company, Wells Fargo sent out a letter stating that since we were in a disaster area that payments would be suspended for three months and no late fees or negative credit reporting would be done during this period. This applied to home loans and Equity lines of credit, which I have both. The letter did not state that at the end of the three months you would be required to make all of the payments at once and all late fees would accrue. The letter was very vague and misleading. Now I am receiving a notice that my mortgage is in default. How can this be possible? How is someone expected to make 3 months worth of payments as once when they were having trouble making the regular monthly payment because of extra expenses from the disaster? It would have been easier to try and come up with the regular monthly payment. 

In researching I am not the only Wells Fargo customer who has experienced this problem. I ask you help in resolving this matter, not only for myself but for the others who have been affected and are now in jeopardy of default.

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX  XXXX  XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

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 2021-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
my boyfriend went through XXXX XXXX ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my 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 2019-05-18
Company: Oliver Adjustment Co.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was covered by state insurance -XXXX XXXXXXXX XXXX They refuse to rebill, it should be paid in full by insurance. I never received a bill or statement saying I owe them money or I would have called them right away to find out what is going on. Found it on my credit report and disputed it. They said that this was an accurate account. The credit report say I owe them 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 2020-10-09
Company: EQUIFAX, INC.
State: NC
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:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i  XXXX XXXX have the right to dispute anything inaccurate by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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:
Haven't got any response from Experian. They have a derogatory remark on my credit report as Bankruptcy and they haven't verified the item. Got a letter from the court stating that they are not reporting to credit bureaus and have my information freeze.

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 2021-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to schedule an external transfer from my Chase Business Complete checking account into my XXXX XXXX checking account. The payment was reversed when the balance was sufficient. It was reversed due to Chase, not due to XXXX XXXX, because they could not verify my transfer. It was my own money, and Im not sure what more verification is needed. I didnt get a text, email, etc, and the payment was just returned to Chase . I have since fixed this issue. However, due to Chase not verifying my information properly, I received 4x {$35.00} overdraft fees on my XXXX XXXX account. This is not XXXX XXXX issue, and it is Chases for not properly allowing the transaction to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a HELOC when I purchased my home and it had a 10-year interest only period followed by a 15-year repayment period that would include principle and interest. 

When I first went into repayment period in XX/XX/XXXX,  I looked at the payment and thought it was high but I trusted the bank, which is Bank of America. Then roll it forward in XX/XX/XXXX, I decided to recalculate the payment myself and learned that the remaining term is not consistent with my loan documents. My loan matures in XX/XX/XXXX,  leaving approximately 12 years to maturity. However, the bank is calculating a remaining term of 9 years because I have paid extra towards the principle. My contention is that I should have the full remaining term used to calculate the payment rather than a reduced amortization period. 

Using a shorter window for my repayment period makes my payment much higher and it has been a struggle. My payment, if calculated on the true remaining term, would be approximately {$140.00} less each month. 

So, I believe that the bank is wrong for forcing me to make a payment on a shorter period than my maturity date.

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 2020-12-21
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was alerted the other day of a collection that popped up on my credit.A collection for a debt I was not notified of, by a company whom I looked up and shows not to be licensed to collect in my state Medical Data Systems. Not only that, but as I have never been notified of this there has not been opportunity to dispute. This should immediately be deleted from my credit report as it can not reflect correct information. Furthermore as medical information is Hipaa protected and this company is based in another state and not bonded to collect in Texas they can not have a signed contract verifying said debt. I have attached a screen shot of the secretary of state website where the only company under this name that was bonded to collected in Texas has that bond cancelled.

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 2021-05-10
Company: EQUIFAX, INC.
State: KS
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 contacted all of the companies below and they have no record of me inquiring for any of these. I have also reached out to the fraud department at Equifax and they have yet to do anything with them this was done more than 45 days ago. These are all fraudulent inquires. None were authorized. 

XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
According to Citibank I signed up for their debt protection service on XX/XX/XXXX. I have requested verification of how I signed up for this service ( i.e. credit card application, verbal in store, online agreement ). I have attempted to reach Best Buy credit card and Citibank Card Services four ( 4 ) times in the last 2 months requesting information. The company continues to put in " requests '' for the information but I have not been provided any information. 

From my preliminary calculations the company charged {$320.00} since XXXX of XXXX. I have read that some consumers received refunds in XX/XX/XXXX when Citibank was found guilty in court but I was not notified of said lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a home where my parents ( were/on title with me ). My father passed away in XX/XX/XXXX and I was trying to do a modification in XX/XX/XXXX and was denied the modification because his estate did not go through probate. My mother and myself did a quit claim deed from his estate to her and myself and then my mother did quit claim deed from her to myself to be able to clear title issue that mortgage company said we would have. This was not acceptable to them to clear title however when foreclosure papers came it showed just my name as owner of said property. 

I was told that in Minnesota when quit claim deed does not state joint tenants or tenants in common it defaults to tenants I have attached the affidavit of suviorship, quit claim deed and first page of foreclosure information received from Wells Fargo and it clearly shows all transfers done and recorded at county

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 2020-12-21
Company: Experian Information Solutions Inc.
State: MI
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 CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.

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 2020-12-21
Company: EQUIFAX, INC.
State: MI
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 CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company below has been constantly threating and calling me as well as sending me 2 day XXXX envelopes for the past 6 months stating that they will sue me for an old credit card debt. 
They harass me every single day From XXXX-XXXX leaving messages on my phone, work and relatives numbers and even though I have spoken to them on several occasions telling them I can not make any payments on this old debt. Especially now with covid-19 and money. They still continue to harass me. 
I went online to check out what other people have been reviewing and it is horrible. 
I would like for someone to please contact them and tell them to please stop harassing! 

Company Name : Midland Credit Management Website :  www.midlandcreditonline.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have already told this company I never opened this account with them and its still in my 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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I have had this particular account with Capital One since XX/XX/XXXX and have been making payments out of my XXXX XXXX  personal checking account since that time. In XX/XX/XXXX, Capital One put a restriction on my card and required that I either A. sit on the phone and wait for 2 hours until XXXX XXXX  could verify my account is actually mine or B. get a copy of my statement with a full account number on it, which XXXX does not provide. I have not made a purchase on that card since XX/XX/XXXX. I called numerous times to try to rectify the situation and sent them a statement not realizing it was not what they wanted and since my account was restricted, I did not realize I would be able to make a payment until after the due date. I paid the account in full on XX/XX/XXXX. They then charged me a late fee and interest and the supervisor I spoke with said she would get rid of the late fee. Since I paid it in full, I did not realize there was any type of balance on the account. Every month since XXXX, I have been getting charged interest on purchases and late fees even though I have not made a purchase since XXXX. They reported me late on these bogus interest charges in XXXX, which is my main concern, and refuse to fix it because my account is restricted. They also will not tell me why my account is restricted, other than the fact that I make payments both online on my computer and via the mobile app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-22
Company: CAPITAL ONE 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:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.Capital one has not resolved the issues yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX THIS BILL WAS ALREADY PAID AND ATT KNEW THAT BEFORE THIS GOT TO THIS POINT, THEY NEED TO REMOVE THIS FROM MY ACCOUNT BECAUSE THIS IS A MISTAKE ON THERE PART CAUSE THIS BILL IS ALREADY RESOLVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This online complaint is against Experian, one of the three mayor credit bureau. 
They do not allow me to dispute items in my credit report. 
The Experian website always blocked me to submit any new dispute. 
Please see the screenshot I have attached with this complaint. 
My Experian Member ID is XXXX Thank you.

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 2020-12-21
Company: Experian Information Solutions Inc.
State: TN
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 previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is XXXX XXXX  XXXX. The new information for this dispute is the following : XXXX XXXX is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.

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