BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
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:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX  This is not mine.

3. Identity Theft SYNCB/CAR CARE SYN CAR Account Number : XXXX  This is not mine.

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 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On the XX/XX/XXXX, one guy stole my wallet, he swiped my credit card twice. One for XXXX {$210.00}, the other one for XXXX {$840.00}. Then i called the police and also i called the bank to freeze my credit card. After a few days, bank of America refund money for me. But!! on the XX/XX/XXXX, the bank charged me for same amount again. I tried to called ed the bank. But everytime i need to wait half hour over on the phone line. Yesterday i wait one hour and half on the phone line, finally they answered me. And then the bank need me to provide additional information to support my credit card was someone stole. Ok. i faxed for them about my case number from policy and policy card. But they still not resolve my problem. Just let me wait .. So i want to know how can i do. Can i complaint Bank of America service?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new 360 checking account with Capital One. I attempted to connect my account to XXXX to withdraw some investments I made earlier in the year. Capital One is blocking my ability to do so and are refusing to allow me to connect the account to XXXX. I have a second checking account that they allowed me to connect and two debit cards. I told them that I wanted to withdraw my funds into this account they said they don't allow crypto currency accounts to connect with Capital One. Today 's date is XX/XX/2018. I already have a capital one checking account connected and two capital one debit cards, so if this was true than the other ones would not work. They are refusing to help in this matter. It's my right to have access to my financials by any means I see fit. I pay my taxes. My investments can be tracked as they were all done through capital one. I deposited money into XXXX and have withdrawn into capital one several times. XXXX offers tax documents for the end of year. This is ridiculous that I can not with my money back into capital one where i have done so many times before. I have broken now laws and am being denied access to my financials!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-04-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-08-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
still waiting to receive status of previous request for complaint about XXXX. Previously, I wasn't able to get ANY reports from this website. Now, I am able to selectively receive reports. As an example, today I was ab le to obtain my report from XXXX, but when I tried to get the same report from Equifax, I got an error message. I will try to attach screenshot of such message if your system accommodates the file size of such attachment. I will also try to get XXXX  report from same website but not sure if I will be successful. If these companies make billions of dollars in profits every year, they should at minimum be responsible for : 1 ) keeping our information secure : in the case of Equifax, they failed ; and 2 ) have a robust enough website to allow multiple users to access the information they are mandated by law to provide in a timely and convenient way ( online ) for consumers. So far, this has been spotty at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
PLEASE SEE THE ATTACHED INFORMATION!! 
XXXX, XXXX, AND EXPERIAN I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX  YOU ALL ARE THE PROBLEM

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 2020-10-14
Company: Agency of Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company refuses to provide LEGAL DOCUMENTATION SHOWING MY FULL PAYMENT from 2017 is reflected in their statements and does not satisfy the bill. 

They refuse to provide this as is required by the fair credit reporting act and continue to abuse the system. 

XXXX XXXX has said this satisfies their request however the debt is not with them any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One mailed us a solicitation for a new 1.5 % cashback credit card.We are already customers of Capital One, spending several thousand dollars a month and always paying our bill upon receipt, weeks before the due date. Our FICO score is XXXX. 
They denied us this new card, lying outright on page 1 that " too few revolving accounts have a balance " and contradicting themselves on page 2 " Too Many accounts have balances ''. They also lied about our credit score just so they would not have to pay us the higher cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am dealing with Mr Cooper who is very difficult to get a live person on the phone. The only option was forbearance. I have had the loan for over 12 years, been a few days late in mortgage payment twice, it was a 5 year arm and then went to variance percent. It has more than doubled since XX/XX/XXXX and because I am not working they will not allow me to refi to get a lower monthly payment. Also I can not put my husband on the loan because they said that would be a refi. Mr Cooper told me to go directly to FHA. 
I then went directly to FHA which took days to get a hold of and they told me the wouldn't work with me to get a fixed rate loan and get a manageable payment, the best I can do is a forbearance plan. My husband is a vet but because he is not on the house ( and he does have a low credit score ) we cant get a va loan. 
I have made payments every month and am only {$2400.00} or one month behind as of XX/XX/2020. While we can make payments we just need them manageable. Mr Cooper is not even nice when you do speak to them reminding that I have been charged all the late fees and interest during this pandemic!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dates/amounts XX/XX/2018 - amounts {$2400.00} XXXX Transfer, {$510.00} XXXX, {$510.00} XXXX Total charged {$3500.00} This was a purchase for a camera. After contacting someone to purchase their camera, a XXXX XXXX, I was told to send the money via XXXX since his XXXX hit the max transaction amount. I transferred the {$2500.00} via XXXX and another {$1000.00} via XXXX. I trusted the XXXX service since it was available to do through the Bank of America mobile app. After about one week, I had still not received the camera so I contacted my bank and filed a claim. Claim was rejected, and they told me that the money that was transferred went to another Bank Of America account, but could not give me details on the account holder so I could file a police report. 

I have attached photos dealing with the conversation we had below. The number turned out to be a burner, and his names were 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 2018-06-07
Company: EQUIFAX, INC.
State: NV
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: Information that should be on the report is missing

Complaint:
I have been working for my company for the past 9 years and none of it shows on my credit cards report. How do I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: U.S. BANCORP
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to medical issues, I fell behind on a credit card from Elan Financial Services. 
They offered me a settlement amount for less than what I owed. 
Included in that settlement was an agreement that the account was to be closed and marked as paid in full and that they would delete all negative remarks associated with the account. 

Upon review of my XXXX credit report, it is showing that the accoint remains open and 14 missed payments are showing on the report. This is contrary to our agreement.

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 2021-08-12
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I sent Equifax a method of verification letter for explanation of what information they obtained to verify accounts on my credit report. However they failed to respond to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bmo closed my account Nd i had XXXX available in my account from a mobile deposit. Ive already complained to the fraud department but XXXX XXXX, XXXX XXXX XXXX are discriminating against me and came to a conclusion on their own. The checks were not returned they cleared and yet i dont have my XXXX that i workef hard for. Because of the incompetence they showed and lack of concern for its customers im facing eviction now and my car is already repossessed. This happened XX/XX/XXXX. And i recieved a letter stating i was to be given a cashiers check fkr my funds but again the bullies of bmo threatened me and my XXXX  girlfriend.

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 2019-08-28
Company: CFW Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Tuesday XX/XX/XXXX I received an email saying my loan was paid off. Wednesday XX/XX/XXXX they said my payment was late. If they made a mistake then own up to it take the loss move on. I kept the email stating it was paid

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On my credit a sear account is showing I never receive a credit card from sears and I was not in the us when this account was open. I called sears and was told theirs nothing they can do.

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 2018-06-14
Company: NCB Management Services Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I AM XXXX XXXX XXXX AS EX HUSBAND LAST NAME IS XXXX as divorce on XX/XX/2012, ALSO HE STEAL MY SSN NUMBER AND ADDRESS SO HE IS REAL XXXX XXXX XXXXXXXX XXXX SSN IS XXXX XXXX XXXX AND HE STEAL MY SSN CHANGE BLAME ME I HAVE TO PAY FOR THOSE 2 THINGS OWE FOR XXXX XXXX XXXX AND CAR PAYMENT ( XXXX ( SP ) SO PLEASE CHECK UP AS INSPECTION HIS PHONE IS XXXX XXXX XXXX AND XXXX XXXX ( EFFECTIVE COMMUCIATION ON VP WITH INTERPTER .. TKS HE REFUSE PAYMENT THOSE HIS PAYMENT OF TWO THINGS AS WE ALREADY DIVORCE PERIOD HIS ADDRESS IS XXXX XXXX XXXX, XXXX XXXX NC XXXX U HAVE ALRIGHT TO ARREST XXXX XXXX XXXX NOW .. HE NEVER LISTEN AND INGORE THEM SOMEONE TRY TO CONTACT AND INGORE THEM AS OWE PAYMENT LET U KNOW THANK U PLEASE LET ME KNOW MY NAME XXXX XXXX XXXX XXXX XXXX XXXX IF PROBLEM CALL ME QUICKLY I WILL GET LAWYER ABOUT IT ... 
MY ALREADY PAYMENT FOR XXXX CONSUMER PAYMENT PAY OFF THOSE AND ANOTHER XXXX XXXX XXXX HIS NAME ON TOP THAT ALL HE BORROW MONEY AND GET CAR THAT WHY HIS RESPONSIBLE THAT ALL AS VOWS PERIOD .. 
PLEASE HELP ME AS SOLVE DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hello, I have a wells fargo credit card through XXXX department store and I went to the wells fargo website looking for financial help by consolidating my dept into one payment so it would help me. But this is what i got instead. They figured out how much credit that could allow me which was {$3000.00}. Then they took the entire amount and made a payment to my Wells Fargo XXXX credit card. Now I have two payments that i can not afford. This is bait and switch tactics and it should be illegal. On top of that they will not give me an option to give that credit applied to my other card back to close my account. They got me in a situation THAT I CAN NOT GET OUT OF.

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 2023-01-20
Company: Block, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Cash App account and opened a family account for my minor child. For some reason my childs account was deactivated and they were not able to access their {$85.00}. When contacting support they were told that I ( the account holder ) needed to contact them. I contacted them on XXXX and was told that I had to send in proof of residency. I uploaded that information on XXXX  and then I was told that my case was escalated to the appropriate team. They said that I would be emailed with an update. Since then I have contacted them numerous times ( XXXX XXXX XXXX XXXX XXXX XXXX and just get told the same thing, that I need to be patient and that my case has been escalated to the appropriate team. That I would be contacted in 10 days but as you can see it has been well over the 10 days and is fast approaching 30 days with no contact or update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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 applied for a XXXX credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police 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 2020-11-13
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not get any paperwork prior to XX/XX/XXXX when TSI placed this account on my CRAs. The correct paperwork was supposedly sent in XXXX, I never received that either. Regardless, if I had 30 days to validate the debt from XXXX, it should not have been placed on my CRA in XXXX. This is illegal and I want this collection removed immediately! Customer Service dd not apologize o anything, they were just pressuring me to make a payment. I want this as a pay to delete not updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My employer opened a business checking account at East West Bank XX/XX/2021. Also before the opening, the banker XXXX XXXX ( XXXX ) claimed it was free over the phone call but after the opening he said HE WAS NOT SURE and then he has been ghosting me for weeks for any email correspondence. This unprofessionalism and unresponsiveness for customers is beyond acceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation