BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I attempted to send an International Wire.

That wire was declined and I was provided a customer service number.

On XX/XX/XXXX I spoke with a representative at that number. They refused to process the wire, despite the paperwork being correct, saying I needed to go to a branch. 
The closest branch is over 100 miles away, as the bank has closed branches claiming they can provide full service via mobile. 
This is clearly not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I pursued getting an " undocumented '' personal loan for $ XXXX on XX/XX/XXXX to get my company through XXXX 's day and was deceived by the loan officer, XXXX XXXX at the XXXX, IL PNC Branch, knowing that time was critical to get this loan approved and done well before the end of the month. Not only did I not get approved for this " slam dunk '' loan, it also cost me my XXXX XXXX dollar company dissolved on XX/XX/XXXX. Please see the attachments for full disclosure of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Good morning, My name is XXXX XXXX I financed a vehicle ( purchase ) thru Bank of America back In XX/XX/2005 all payments on time never missed a payment payed off in full on time. On my credit reports it reflects late payments, the worse part is its still reoccur on my credit!! My Vehicle has been pay off on time as promised there should be no reason why this is still reflecting. I've contacted them ( over the phone, via email ), on numerous occasions, I compiled with there request, I sent all documentation as requested, with at times no response whatsoever. Contact the XXXX continue to try and communicate with Bank of America with no results it seems to me that BOA has no proper division that handles these types issues and quit frankly they don't seem to care. We the consumer are stuck with no place to vent to correct theses matters, All three credit bureaus have instructed me to reach out speak to Bank of America, Simple right!? Why didnt I think of that!? ... Unfortunately there's no one that handles these situations over the phone nor email I continue to get the run around with no success. A bofa representative that try his very best to assist me basically said no one can help you here please stop with calls and emails there's nothing we can do for you. He apologize and recommend me to lawyer up. I'm not no where near able to afford an attorney, any assistance would be greatly appreciated sincerely. Below I will attach all my contact information if need. Thanks again for you time. 
XXXX XXXX XXXX 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 2018-09-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good day, I started receiving calls from this company several years ago. Apparently, it's in reference to a debt that I have challenged. I have asked them to stop calling my work cell number. They have apparently found other numbers associated with me and repeatedly call. I would say the earliest calls are around XXXX and the latest are around XXXX. The worst was on Wednesday, XX/XX/XXXX at work. Call was about XXXX. When they asked to speak to me I asked who it was. The guy said he was a " surgical doctor '' and needed to speak to me. I challenged and he demanded me to pass the phone to the person he was looking for. I ended up hanging up. 

In addition, I have received emails from this company. Not threatening yet.

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 2018-07-29
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting erroneous information regarding my XXXX XXXX XXXX account. I have been notified that one of the accounts is listed as included in bankruptcy and that is incorrect. I have disputed this info but to no avail it is coming back the same and I do not understand why this is happening time and time again. Pursuant to the law, student loans can not be included in bankruptcy unless a dire need is confirmed. None of that has happened and loans were not included in bankruptcy. This is affecting my credit standing with a new home loan. Please either correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This number XXXX calls me 10-20 times daily. I have called them several times to find out why. They are collecting a debt for a person I do not know. I have told them that I am not that person.

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 2020-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One is negatively reporting an old closed account that is paid in full on all three major credit reporting agencies. The first delinquency on this account was over seven years ago. I did dispute this exact account last year and they did take it off for a few months and then it reappeared with a new incorrect first delinquency date so they can keep getting away with reflecting it on my credit report longer then seven years wich is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: American Coradius International LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Coradius International LLC is trying to collect a XXXX debt of {$860.00}, which is a fee that I never incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit 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 2018-03-08
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This month, XX/XX/2018, a Medical Debt Collection Account by South Mississippi Collection Services , INC posted to my Credit Reports. My credit report shows that this Collection Account was opened in XX/XX/2018 with a late amount of {$64.00}. Per the Fair Debt Collection Practices Act ( FDCPA ), I WAS NOT notified of this debt to allow me to dispute its accuracy. By my LAWFUL RIGHTS, I am requesting a DEBT VALIDATION of this Collection Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions Inc.
State: GA
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 the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from 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 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 2 bank accounts with Capital One, one is an individual and the other is a joint with my wife. I had unauthorized charges on my debt card that is linked to my individual account. I called and notified Capital One as soon as I saw these charges on my account. Capital One was not able to resolve the issue within 10 business days and gave be provisional credit while they investigate. I was contacted on XX/XX/XXXX by an investigator regarding the unauthorized charges. He asked if I could file a report with the local authorities. I explained to him that I was in my car and asked if I could do it on Monday when I got back in town. He stated that he really wants me to do it sooner than later. I then told him that I will try to get it down online when I get to where I was going. When I tried to file the report online, it stated that this type of report can not be done online and it has to be done my mail or in person. On Saturday XX/XX/XXXX, I realized that my individual and joint account were both frozen. I called Capital One to find out what is going on and they told me that I have to speak with the representative that put the freeze on my accounts ( this was the representative that I spoke with the day before ). On Monday XX/XX/XXXX I called the representative a number of times and left a number of voicemails. Finally I was able to get ahold of him through a service team member. He said that he has up to 72 hours to call me back but, since he has me on the line he would answer whatever questions that I might have. I ask him about the freeze and he admitted that he did do it. I explained to him that I could not do it online and that I had to either send the form in or do it in person. He then stated that's not what he told me to do. He stated that he told me to do it Friday, which is not correct. I let him know that he can not freeze my funds on my accounts. He said that he will continue to have all of my accounts frozen, including the one with my wife, until the investigation is complete. This violates my rights under the Electronic Fund Transfer Act ( EFTA ). Under EFTA V. Consumer Liability and Error Resolution ( 12 CFR 1005.6, 1005.11 ) it states the process and procedures on how a bank is supposed to act. Capital One is not doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Please I need your help.I already work with Macy 's they enrolled me due to novel coronavirus in this deferral program to avoid making payments. But they did not let me know the first time I contact them and I was late in a payment the I will accrue Interest in my account, I contacted them again this time I was very clear using the words due to coronavirus can't make payments on time, I was enrolled in the referral program just this time they was clear to let me know the my account will accrue Interest so whatever I owed will be higher.So my question to CFPB even is not my fault not been able to pay on time. I'm in a situation yes, I'm working thanks God but get this my husband is in a Furlough in his job due to coronavirus most of finances is on my shoulders we have XXXX   daughter 's out of work ... ..I do not owed much to the department store but I soon as I have money I will closed account but mean while I'm scared been out control.I need your help and I'm speaking for many people outhere in the same situation.Thanks

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 2020-11-23
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:
XXXX XXXX XXXX, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX  closed this companies profile due to numerous consumer complaints. Not only has XXXX charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.

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 2021-03-03
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage is refusing to accept the valid XXXX XXXX XXXX XXXX document provided by homeowners insurance company. When contacted by Insurance company and attempted to explain the Master Insurance policy, and how it works, the XXXX Department agents at XXXX Mortgage are rude, very unprofessional, disruptive and keep referring to the policy which does not make sense and appears to contradict industry standard. When requested to be transferred to agents managers, they refuse. I am puzzled why the homeowner is caught up in-between XXXX company and XXXX Mortgage dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX  account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to XXXX XXXX and Experian. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX  claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, XXXX, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My wallet was stolen card was stolen and my pin was in my wallet as well I called the bank Wells Fargo soon as I found out about the transaction that where. Made they filed a claim then decided to denied me saying I gave permission which I didn't and over XXXX dollars was stolen out my account now I'm force to pay overdraft fee plus out of my own personal money I put in to save for my kids what can I do need help in resolving this matter

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 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX i checked my credit report and all my inquires were deleted, I logged in today and all the items have returned and my credit score went down.

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 2021-03-26
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation