BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have been calling the XXXX XXXX customer service number many times in the last two days. The problem is when i call to talk to customer service the automated system transfers me to them and they hang up before i can even talk to a live person. I am charged XXXX every call i make to XXXX XXXX. They are racking up my charges and not helping at all. I have to change address in order to receive a new card because they never updated my address and the new card went to an old location. 
I can not talk to anyone and every time i try I am charged whether i have spoken to someone or not! This is not right nor is it ethical! 
I think its ridiculous to be charged to get help with a product that is holding my money and get charged whether I am helped or not. I have called over 8 times at XXXX cents a peice to get help with a replacement card and I have yet to talk to anyone because they keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting incorrectly paid collections on the following items, with partial account number XXXX and XXXX. ( Please see page 8 of the attached credit report. ) These medical collection were paid to the agency with the agreement that the collections would be removed from my credit report. XXXX and XXXX   have removed them, but Equifax continues to report these collections even after I contacted the bureau. This inaccurate reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions 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 reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( U.S. DEPARTMENT OF EDUCATION XXXX XXXX accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.

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 2021-01-21
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX XXXX  XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Tate and Kirlin Assoc
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF TATE & KIRLIN FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have been a with CAPITAL ONE BANK USA N customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2018, PORTFOLIO RECOVERY added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested a {$36.00} payment to my dentist and attached the invoice. They are fusing to issue payment and are demanding an explanation of benefits from my insurance provider and that this is an IRS requirement. This is not a requirement from the IRS ( please reference IRS Publication 502 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017, I sent the attached Certified Letter to Experian. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Experian is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by 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 2020-05-19
Company: JPMORGAN CHASE & CO.
State: IL
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:
Called chase to cancel chase sapphire reserve credit card. While i was able to close the card, Chase refused my request for a prorated refund of the {$450.00} annual fee that was charged on XX/XX/2020. I explained the reason to cancel the card is due to covid-19, still Chase denied my request for a partial refund of the annual fee, even though I did not use any of the annual benefit and it is only 3 months into the year. Charging full annual fee is just not fair. Appreciate your help to correct this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This card was charged off years ago and sent to collections. Before the card was charged off I pleaded with the company to lower my interest rates for a few months so that I could make minimum payments and they refused to help me in any way. I had suffered severe medical injuries and was in financial distress. After not being able to make payments for a short while I started to receive calls upwards of 5-6 times a day! They would call from different numbers and start calling at XXXX and not stop calling until XXXX! I advised them to stop but they would not. They continue to call me to this day! This card also went through a company change while I had it which resulted in problems in communication as well.

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 2020-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My name is XXXX XXXX XXXX. I believe I am the victim of discrimination and an unfair and arbitrary practices on the part of Capitol One. Prior to there action I had an XXXX credit score. I have two cards with them. I have never missed a payment on either card, nor have I ever been late. One of my cards had a XXXX limit and the other had a XXXX limit. I received an email stating that because I rarely use the card with the XXXX limit they were reducing my limit. I use the other card more frequently, so when I called to complain, stating it made no since to reduce the limit on my XXXX dollar card when I have two cards with them, several days later, they reduced the limit on my other card. Their decision given my credit and payment is highly suspect, and it hurt my overall credit score reducing it so far to XXXX. They told me I could apply for another card with them if I wanted more credit. I have been with Capitol One over 20 years, and this has never happened. I do not rely on credit, I use it quite sparingly, and Capitol One is penalizing me for not running my cards up enough. I would love to know how many other citizens with credit scores like mine, payment histories like mine, but are XXXX have had similar action. ( What is the risk profile they are looking at, what is it based on, what is the number of minorities that are effected vs XXXX ). 

Thank you for you time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Midwest Recovery Systems
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I found Midwest Recovery Systems on all three of my credit reports and I've never even heard of the account. It says it's for a pay day loan and I've never opened one before. My identity was stolen a few years ago and I have an fraud alert but somehow these people still harass me, them showing up on my credit report is the final straw. I get phone calls all the time threatening to arrest me. I believe Midwest Recovery Systems is behind every problem I've had and they're responsible fully for my identity theft. It's the same company, they just change their me every year because they start to get so many complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: JPMORGAN CHASE & CO.
State: OK
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/2018 I was at a Chase Branch in XXXX XXXX, Oklahoma. I had explained to the Branch Manager that I was having difficulty paying all my bills in a month. She worked with me and said Chase has a Hardship Program. She called into it and gave her ID number and was transferred several times. When the gentleman answered in the department that could help with finical difficulties he talked to myself and asked me several questions about my hardship. He then stated that the settlement would be {$1500.00}, for both accounts. I didnt have the money to pay then. Since that time I have received a tax refund and set aside {$1500.00} and called Chase today. Today all they could offer is 90 % of the settlement instead of the 65 % that was offere 2 weeks ago. I asked for the recording, the name and ID and a supervisor at Chase would not disclose the information to me. I dont understand why I cant have that information or the same amount they were going to settle with me 2 weeks ago. When I called Chase today they acted like they had no record of anything but magically an application appeared with no information and just a employee ID number but saw no notes on the disclosed amount they offered 2 weeks ago. Spoke to a XXXX at Chase his ID NUMBER is XXXX. This supervisor was absolutely no help and would not and could not tell me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Experian Information Solutions 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:
I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, XXXX and Experian to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00}  Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}

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 2019-10-22
Company: LoanCare, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare took over mortgage from XXXX. Raised payment {$150.00} monthly claiming we we're behind escrow. 1st time in 6 years. Said auto pay can be XXXX to XXXX of month. I chose XXXX as I did with XXXX. Every month since XXXX been charged late fee of {$37.00} when its auto pay and $ is always in account. They refuse to fix. My credit score dropped because my mortgage increased {$63.00} last month. How can it increase? I also applied {$30.00} extra to principle.

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 2019-03-14
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: Account status incorrect

Complaint:
Loan orginated in XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by XXXX XXXX in XXXX of XXXX via letter from their Porta Rico Headquarters that the balance was due in full XXXX of XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX. They are reporting to the credit bureaus that Foreclosure was started. I live in Florida. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( Lis Pendens ). I verified that no filing ever occurred. I filed a claim with Experian and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with Experian again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.

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 2018-07-11
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm a first time home buyer who just closed on her first home Friday, XX/XX/2018. Iberia Bank was the bank that handled my loan. 

On Monday, XX/XX/2018 I received a call from XXXX XXXX NMLS # XXXX, who handled my loan. He stated an error was made at the time of closing. I received my earnest money back ( {$500.00} ). He stated I wasn't suppose to received the money back and I had to pay the {$500.00} back immediately. When I questioned why, he mentioned something about the {$500.00} affecting a grant that was applied to my loan. After I explained to him that I didn't have {$500.00} immediately, he mentioned I had to XX/XX/XXXX to pay the {$500.00} ; along w/my first mortgage payment of {$790.00}.

I'm filing this complaint because I don't agree with what the loan officer is trying to do. I asked him to forward me the email from the individual stating I owe the {$500.00} back. I will forward a copy of the email as well as a copy of my Closing Disclosure for your review.

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 2018-07-11
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Union Bank is operating a sneaky ruse to get people to open credit card accounts. They offered a balance transfer from a current credit card to a new credit card with their bank at 0 % interest for, I believe, 15 months. So I asked that XXXX of debt be transferred. Well, they didnt transfer any of my debt, but opened a credit card with a XXXX available credit. I wanted a balance transfer for XXXX or bust. Sure, they are now willing to close the account, but this opening and closing of a credit card is not good for my credit rating, and I resent them opening an account different from what I applied for. They didnt even transfer the XXXX available credit they awarded me. It was all just a ruse to get me to open a new credit card!

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