BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, I called Capital One concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the Capital One puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with Capital One and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

Capital One states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with Capital One but they are unfair when it comes to this concern. I have looked up Capital One 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was notified of a return payment from my bank and resubmitted the payment to the card issuer. Then subsequently was notified by the bank that they did not submit the payment. After which a payment was made and satisfied the balance on the card. Shortly thereafter the card company closes the account without notice. When I contacted them they said it 's because there were two return payments. I let them know it was a bank error. The most disgusting thing is that they closed the account after it was paid in full thereby damaging my credit score and saying that it ca n't be reopened. All with no written notification.

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 2017-11-09
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is stating that I was given a Loan of some sort. I have advised them on multiple disputes that this loan was a result of identity theft. They have refused to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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:
There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is 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 2022-03-04
Company: Municipal Collections of America Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Municipal Collections of America called my elderly father multiple times on XX/XX/2022, to try and collect a debt issued by Iowa XXXX 's automated ticketing system. Despite my father 's voicemail clearly identifying himself as him ( and not me ), they continued calling him throughout the day. 
When I called them ( because my father asked me to ), I first wanted to know why they called my father and not me. I never got that far, because when the woman I spoke to informed me that she was recording the call, I informed her that I was also recording the call. She immediately hung up after stating that she did not consent to being recorded. 
Missouri is a one-party consent state and so is Iowa, in regards to recording calls, so I have no idea why she disconnected the call. I have received no direct communication from the debt collector at any point. The only reason I called is because they were harassing my father and he asked me to call them back so they'd leave him alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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 status incorrect

Complaint:
I sent Wells Fargo Dealer Services a dispute letter regarding a incorrect delinquent/late payment. WFDS failed to look into this matter, and did not attempt to correct their incorrect delinquent/late payment information. I reached out to the Wells Fargo Credit Bureau Dispute Resolution Department ( CBDRU ) in regards to this matter, but they failed to make the correction. I expected results and immediately corrections, but they have failed to correct their mistake.

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 2017-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I inherited a small Bank of America IRA from my mother ( {$730.00} ) when she XXXX XXXX earlier this year. I called Bank of America on XXXX/XXXX/XXXX at XXXX a.m. to inform the bank that due to extremely poor customer service in helping me settle my mother 's XXXX, that I had no intention of maintaining the inherited IRA with Bank of America. I was told by the bank of America representative that I had no choice, but to complete the bank 's paperwork before I transferred the IRA to another institution. I followed their instructions and completed a " Distribution Election '' form and mailed the form to the bank. I received a confirmation from Bank of America that the inherited IRA was set-up on XXXX/XXXX/XXXX. At that time I completed transfer paperwork to have the IRA transferred to another institution. When I received the confirmation from the new institution, I noticed that the value of my account was {$50.00} less than the {$730.00} from my XXXX/XXXX/XXXX Bank of America statement. I was told by the new institution that Bank of America charged a {$50.00} fee. I called bank of America and was told that the {$50.00} fee was an account closure fee. I explained to the representative that when I spoke with Bank of America on XXXX, that this fee was not disclosed. I checked the only paperwork I signed and there was no disclosure for an account closing fee. I asked the representative to refund my {$50.00}. He said he did not have the authority to do so. I asked to speak with his supervisor and was on hold for over 15 minutes. The supervisor never got on the phone line. Since the bank never disclosed the {$50.00} fee ( 7 % of the account value ), I feel they should refund the {$50.00}. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made serval attempts to dispute a debt with XXXX XXXX through all XXXX credit agencies. I have advised them XXXX times in the past XXXX days that this debt was made by illegally due to identity theft. The collection company has yet to remove this debt from my credit 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 2017-12-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.

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 2022-03-04
Company: EQUIFAX, INC.
State: NJ
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 and Equifax both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, Equifax and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and Transunion, XXXX and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.

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 2017-11-09
Company: Midwest Recovery Systems
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Information belongs to someone else

Complaint:
There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I deposited {$500.00} ( Transfer ID : XXXX ) to my account on XXXX, a cryptocurrency exchange owned by Coinbase , Inc., via an ACH bank transfer. Funds were withdrawn from my bank account by XX/XX/XXXX. 

According to the support page on XXXX ( XXXX XXXX XXXX ) " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days ( which can be as many as 7-10 calendar days, depending on the timing of weekends and other bank holidays ) to complete after initiating a purchase. '' On XX/XX/XXXX my {$500.00} deposit was not credited to my XXXX account and the transaction was still listed as pending. Because the 3-5 business days/ 7-10 calendar days transfer time had lapsed I submitted a request to XXXX inquiring why my deposited funds have not been credited to my account. I received a confirmation email from XXXX on XX/XX/XXXX confirming that they received my request and assigned me a case number of # XXXX. 

On XX/XX/XXXX my deposit was still listed as pending so I attempted to reach out to XXXX via phone to resolve the matter, but I was informed that phone agents are unable to assist with account-specific inquiries ( XXXX XXXX XXXX ). Additionally, I was informed that submitting another request online will only result in additional delay. 

As of today, XX/XX/XXXX my deposit has not been credited to my XXXX account, and the transaction is still listed as pending. It has been 35 days since I made my deposit and 22 days since I submitted a request to resolve the matter. Coinbase, Inc./ XXXX has not offered me an explanation as to why my deposit is experiencing an extreme delay or when I can expect my deposit to clear. Due to this delay and lack of support from Coinbase, Inc./ XXXX I am left with no other option except to submit a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
Chase bank closed my credit card without any emails or calls about any issues on XX/XX/22. They claimed the account was fraudulently opened when it was not. Customer support continues to redirect me in circles to other departments, keep me on hold for hours at a time, or promise that somebody will call me back and they never do.

None of them will tell me why the account was closed, how i can resolve the issue, especially concerning because there seems to be ANOTHER account in my name which may have been fraudulently opened, except they wont give me any details on it.

Online account is locked so i cant see what charges have been made. 

As of XXXX i have not been able to get any information from customer service. I call them almost every business day to try to resolve this, wasting hours of my time and never getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello I will try to make this short. hsbc has claimed I did not make payment for 2 years now they want to foreclose. they also did the same thing 4 years ago. and in 2012. 
I have to keep going bankrupt to save the house I have ever single receipt. and they say that's not good enough. even my Lawyer is surprise. so I have to go bankrupt again. 
something has to happen to hsbc to cost me my credit. and giving me a heartattack. 



also, they would hold my check until after the XXXX and charge me a late fee this has been going on your years so I certified ever mortgage check so I wood know when they got them..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent information dated XX/XX/2021 into XXXX and nothing has been done nor have I received any information regarding the dispute of the information on my Credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal send me a letter that I submit to them about my atm for provisional credit on my account of the ATM did not disports to me and then they said the merchant at the ATM stated that it was an error they said I got the money and it was not true and I want all my money because the merchant is lying and I submit my medical from my doctor that I explain that I stressed navy federal was giving me problem the doctor stated that if I continue this stress I could have a XXXX or a XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX I was making a purchase from XXXX website for {$450.00} and after two transactions hit my bank for {$510.00} and {$540.00}. Called Bank of America right away and they reverse it. While the funds were not applied to the available balance, according to BOA it would take 24 hours. I waited 24 hours called back and was told that the money had been reversed already and but theres was major discrepancy. Fraud department agent put me on hold for 15 mins. And came back and told me that it was reversed. But that we should wait another 24 hours that the last agent should of given it more time just in case but typically thats how long it takes. That was yesterday. Today I woke up checked my bank and theres was nothing showing these transaction, had even occurred. Everything was erased. Reversals and the charges. Thanks XXXX I took pictures and documented everything from the beginning! This is very bad. My own bank is stealing from me!! and this is not the first time they do this to me!! Money disappeared from The account {$1000.00} gone from the account. I went to the bank and the banker was looking at me crazy and even smile and laughed at me with the agent on the phone which was the fraud department as well, and lastly told me that theres was no case to open because they had already credited the account. Completely ridiculous. I took all my money out off all account. NOTE ** this was all on my business account! BOA IS SAYING THAT THEY CREDITED MY ACCOUNT ALREADY, thats should be in there recorded calls I am sueing and posting every where what your Financial institution is doing.

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 2022-03-04
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Due to unfortunate circumstances, ( my grandparents passing away from XXXX and being my sole providers. ) I was desperate and needed help with bills. I do not have a lot of credit to my name and was trying to a loan to help pay for my car insurance. A website took me to BrightLending.com where I was prompted that I was approved for a loan of {$500.00} on XX/XX/2020. I of course unknowingly accepted the loan unaware that the APR rate was 692.2058 % and will be paying 42 payments of {$72.00}. I was charged {$72.00} every Friday out of my check but I realized that every time I paid the {$72.00}, the loan was still in the {$500.00}. I then checked the loan agreement to see the that my rate was so high and at the end of this loan I would have spent {$2900.00} to finish this loan. This loan has caused to me struggle to pay my bills. I have called their customer service and no response. Also previously stated that my rate was 692.2058 %, I read further into my agreement that the fixed rate per year on the loan is 734.0224 %.

Company response to consumer: Closed with explanation