BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Other

Complaint:
THIS ACCOUNT XXXX THE REST OF THE ACCOUNT NUMBER IS BLACKEN OUT ON THE REPORT PLEASE SEE ATTACHMENT. I HAVE WORKED WITH CAP 1 TO GET THIS REPORT CORRECTLY AND THEY REFUSE TO FIX IT. THIS ACCOUNT WAS PAID IN FULL WITH A XXXX BALANCE AND THEN CLOSED BY ME. BUT THEY STILL ARE REPORTING A BALANCE WHICH IS HURTING MY CREDIT SCORE AND INCOME TO DEBT RATIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Automated Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections that was paid in full and eliminate the balance and remove all negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: AZ
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:
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my equifax when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my equifax report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have 2 credit card with bank of america and it was opened in XX/XX/XXXX. In XX/XX/XXXX, I got delinquent and default and result for debt cancellation in XX/XX/XXXX. I got XXXX from Bank of America. As of now, I attempted to do refinance my house to fix my mortgage. However, I checked my credit and Bank of America still reported that I owed {$32000.00} for both credit card. I attempted Bank of America to get clearance and they come back and asked me to pay off the debt. Even though they said they had issued XXXX but they still have the right to ask me to pay off. They know that I need to clear that has been charged off and cancelled debt was issued in XX/XX/XXXX. They still asked me to pay in full balance.

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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped from XXXX to XXXX and there hasnt been any changes on my credit report for over a year. 

The last negative item was placed on my report 2 years ago for 30 day late. 

I would like to know what changed in their scoring systems for my score to drop 80 points with no changes on 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 2021-09-19
Company: Experian Information Solutions Inc.
State: WI
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:
A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: DC
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:
XXXX is reporting a Bankruptcy on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the weekend of XX/XX/2019 I lost my entire purse with my cellphone, and wallet including my USAA debit card, Drivers License, and a few other cards, receipts, and miscellaneous documents.On XX/XX/XXXX I called USAA to inquire about an alert on my account. I spoke with 2 reps that day who advised of a deposit of {$7100.00} which I stated I had no knowledge of nor should the deposit be there. They also advised me of 2 withdrawals shortly after one or {$2000.00} and one for {$2900.00} from a XXXX supermarket. Upon getting this information I proceeded to dispute the transactions. While in that process 2 inquiries also appeared on my credit report one for XXXX XXXX, & one for XXXX on which I disputed as well. At this point my identity has been stolen. I advised this information to USAA as well. About a week or so later i got notice the dispute was completed and deemed not fraud. On XX/XX/2019 {$4900.00} was taken from my account from what USAA states is a reversal of the 2 withdrawals. They have since been contacting me to pay off a collection on the account for the {$4900.00} that was fraudulently taken from my account. I have since had to get many identity theft measures in place and place blocks on everything. I tried to resolve this matter with USAA however to no resolve as once they deemed the transactions non fraud they would no longer assist me. From the beginning of this situation I spoke with about 7-9 different people with the absolute WORST customer service I have ever received. USAA stated that my claim was denied due to the card with the chip being used along with the pin however with everything inside my purse being stolen that information was easily obtainable as my cellphone was also inside.My greatest concern ultimately is how the withdrawals even happened to begin with. If a deposit as large as {$7100.00} was done on an account where no more then 500.00 has ever been deposited the account should have flagged then at that point. The deposit certainly should have at least pended or held for 24 hours being such a large deposit. Not only that the culprit was able to make 2 large withdrawals from the same XXXX store over 2000.00 on the same day of the deposit which should not be able to happen either. I made an attempt to file a police report with the XXXX PD however being that the withdrawals took place in XXXX they stated this was outside their jurisdiction. I am now working with my Lawyer to attempt to resolve and obtain some sort of video of the person making these transactions as it was not myself and is absolutely FRAUDULENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage arrears for {$450.00} not applied to my mortgage. My mortgage no arrears when filin chapter 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 2017-11-17
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed bankruptcy XXXX and was XXXX XXXX. My online account was restricted with Santander and upon calling in to check my balance, employees had no access. After being discharged from bankruptcy. I could see my account was delinquent. I started making regular payment. XXXX. I had no statement or access to my account, but I still made a payment. My vehicle was repossessed XX/XX/XXXX w/o notice which is fine. The problem lies in the fact that after I called to make arrangements to bring my account current, I was told Santander could not confirm that my vehicle had been repossessed. I blindly paid what I owed. I called XX/XX/XXXX to make sure my payment had been processed and I could retrieve my vehicle. The payment had been processed, but there was no formal repossession paperwork so they could not release my vehicle until Santander formally filed the repossession. I spoke with 4 different entities regarding picking up my vehicle. First I was told it was local, and then XXXX NY ... Etc. Finally given the # of the storage facility it was closed. I feel like this has been poorly handled and would like to file a formal complaint. Santander picked up my vehicle XX/XX/XXXX without filing out the proper paperwork or giving proper notice and still have not gone on record to say to me that they repossessed my car. The bankruptcy department has never spoken with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: ASSOCIATED BANC-CORP
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I wanted to send XXXX dollars to pay for a skiing event in XXXX. I called the Associated Banks  customer service line on Wednesday, XXXX XXXX, and was told to call my local branch and that they would help me with sending money to XXXX. 
On Monday, XXXX XXXX, I called the local branch, and they referred me back to the Associated Bank customer service line. I called the customer service line, and was told to call the local branch. I told them that I had just done that. XXXX began to look into the problem for me, and about thirty minutes later she called back and told me that what I needed was a Foreign Draft. She said I should ask for a supervisor or manager, and that the cost would be {$40.00}. 
On Wednesday, XXXX XXXX, I went into the branch and said that I needed a foreign draft for {$870.00}. The person helping said that she didnt know what that was. I said that I was told to ask for the supervisor or the manager. She said that she was the supervisor. She called two people, and the second one walked her through the process. The transaction went smoothly. I was a bit surprised when she said that a XXXX dollar was {$.00} American. Five days earlier XXXX said it was {$.00} American. She said the check would be here on XXXX XXXX, but it was actually here on XXXX XXXX. 
I made the mistake of not checking with XXXX before arriving at the bank. Later in the evening, I asked XXXX, and a XXXX dollar was worth {$.00} American. I did  not question the transaction, thinking that the bank would have the exact price for a XXXX dollar. The transaction fee was actually {$20.00}. On the attached form, it stated {$10.00}. I dont have a problem with that. They should really update their forms, and add creating a Foreign Draft to their training material.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Collection Bureau of America Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original company ( XXXX XXXX ) picked up the water cooler and the empty bottles that they were billing me for. I spoke with XXXX XXXX XXXX ( President and CEO ) of the company and he mentioned that he told the Collection Bureau of America ( CBA ) to close the account because the company had received everything back in its possession. XXXX XXXX whom I spoke with at CBA was very nasty and she refused to close this account even though XXXX XXXX  requested it to be closed. She claimed she had not heard from the General Manager but he mentioned to me that he had spoken with her and the company can not bill me for equipment that had been returned and was in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Robinson, Reagan and Young PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections and eliminate the balance and remove all credit bureau reporting. I never received any notice about the collection and I was struggling to make the payments. 

I have documentation regarding my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This is in relation to complaint XXXX, which was erroneously closed. Citizens bank did not offer any remedy to the situation or their unfair practices that resulted in my credit score dropping over XXXX points. The letter they wrote back ( with a wrong address that doesn't exist in the XXXX XXXX ) ; did not actually address any of the pain-points. The respondent said 'they closed the credit line ', which was actually myself going through the web of call centers to do so myself. I am reopening this complaint because the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies are reporting inaccurate information on my credit profile and doesn't have the right to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for the chase XXXX credit card and was instantly approved. I immediately paid for my honeymoon deposit, {$1500.00}, using the card in order to receive the XXXX miles associated with purchases on the card in the first 3 months. The next day I went to pay the card off, I called chase to inquire if I could link my savings account to my card which they told me was completely fine ( I did not want to use one of my monthly transfers to transfer the funds into my checking account ). A week later the payment was reversed even though the funds were in my savings account. I called chase again and they told me that the last representative who told me I could pay using a savings account was incorrect and that I could only pay using a checking account. I transferred the funds into my checking account and went to link my checking account to my chase card and it said it could not link the account -- A represented told me I had to put two zeros in front of my account number to link it, which I did and it linked. The payment was reversed again. I called chase a third time and was told the last two people I had spoke to had misled me. I can not pay with a savings nor should I have put two zeros in front of my account-she paid the charge for me over the phone and in a few days it was posted and the {$1500.00} payment was made. I then find out chase closed my account because of these reversed funds. I never received a letter ( although they claim they sent me one but they should have sent it certified mail because I did not receive it ), they never emailed me, or called me explaining my account had been closed. I do not use my credit card often, mainly just for large purchases I can pay off immediately, so a few weeks later I tried to use the card and it was declined. I called chase they told me they had closed my account and they will not reopen it because it had been 30 days since they closed it. Not only did I never receive notice that they closed my account ( if I had received a letter I would have called them immediately ) I also had already paid the $ XXXX   yearly fee in order to have the card that I ultimately only had for 4 weeks. They have not refunded my {$70.00} fee and still refuse to reopen my account because of the 30-day limit. I acted on the advice of chase representatives and it ultimately caused my account to be closed. I have great credit, have never missed a payment on any credit card, and always had the funds available in my account. I would like my {$70.00} reimbursed or my card immediately reopened. I would also advise chase to provide new training to its representatives and to always send account closure letters via certified mail and email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WELLS FARGO & COMPANY
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:
To whom it may concern, I had a line of credit with Wells Fargo open in XXXX. Wells Fargo claim that I was 30 days late back in XXXX my records show that I was on time every month. So I would like for this derogatory to be removed from 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