BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought a watch on XXXX, that was like new. The watch arrived damaged, likely from being poorly packaged in transmit. I tried to return it XXXX XXXX has a money back guarantee but they refused, and said they will only give a partial and I have to get it serviced ( but service takes months and is in XXXX ). XXXX told me in writing they would give a partial refund ( eventually oscillating and offering a full ) but never did. I contacted Wells Fargo bc I used my debit card, and they offered a provisional credit, but now they are saying my evidence wasnt legible ( even tho they were screenshots and the agent on phone I spoke with said they were ). Wells Fargo also wont tell me what info they need or want, and Ive been proactive in contacting them but they arent responding or helping me, and were actually really rude and dismissive on our last call, which prompted me to contact CFPB. This was a XXXX $ USD watch, and was bought on XX/XX/23. I opened an XXXX case immediately and when they refused the return ( and said the choice was irreversible ), I opened a wells case immediately. But wells isnt helping and keeps saying they cant help and I need to go back to XXXX, but XXXX closed it and I cant call and have to go thru email and nothing gets done ( I filed the complaint w them around thanksgiving ). I am so frustrated with wells and feel like theyre stealing my money and Im getting stuck w a broken used watch which wasnt what I purchased or paid for.

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 2020-05-15
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: Information belongs to someone else

Complaint:
SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 'S On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 a Capital One card that I set up automatic payments on. Some how the payments were only made for the first month and they deducted twice the amount that was supposed to be deducted. I called them and they advise it was a mistake and refunded my money. For the next 7 months, no payments were made on the account. I was not aware of this as I work nights and my wife handles the checking, until I received an email that my account was going to be closed if I did not make a payment in the next two weeks. I made the payment and immediately called them. They investigated it and reviewed my past calls and confirmed that this again was their mistake. They advised me that my card would be reinstated and that any late payments would be removed from my account and record. None of the late payments have been removed. I have disputed this with all the credits beroes and Capital One always comes back and states the reporting is accurate. They do not take the time to review my past calls or the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I opened up a XXXX credit card and made a purchase of {$1900.00}. The point of me opening up this credit card was to receive the 0 % financing over 18 months that the card offered on purchases of over {$1400.00}. Later I came to realize that from the beginning they charged me interest on my purchase. When I brought this to there attention they told me that too much time has passed and they cant refund the interest they charged me and continue to charge me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 synchrony bank uploaded a fraudulent letter to the cfpb stating that I did not provide proof of return I provided proof of exchange which is absolutely false. I provided a proof of their transaction that can only be generated at a cashier register XXXX a RETURN/RECEIPT has a transaction ID calls have been recorded stating that see it uploaded in systems of that returned amount. This company continues to lie and is committing more fraudulent actions by trying to cover up that my card was used after I left the store and returned those items I was charged again they have to show proof of that transaction of me purchasing it again after it was returned because I returned them. XXXX should be fired for lying and trying to deceitful actions to a customer and government company. Make them provide proof of what I sent in via faxed

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 2021-02-23
Company: Mountain Run Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 after just moving in a new home XXXX was already installed. I called and asked if I could try it out in my name because it had keypads and we didnt know the code to get in and out the front door. I informed XXXX that I didnt know much about the brand besides what I read on XXXX prior to contacting the he company. He then stated that there was no contract and that it was month to month and that I could cancel anytime. I didnt have to pay a installment fee because it was already equipped with touchscreen monitor, keypad, and camera in the backyard. A few months later I called and told them that I no longer wanted the service and what I believed was the end of it all. Without noticing at first I was still being billed months later when I canceled already around XXXX the service was also disconnected. When I noticed the unauthorized charges I canceled my bank card. Only to see later that they was still sending me bills and the balance was still going up with the alarm system being disconnected and me canceling the account. The bill was only {$54.00} and month to month so how do I owe {$360.00}. How was they still charging me for months that I had the service disconnected?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a Quicksilver MasterCard issued by Capital One. I started to make my monthly payments as usual, but it got to the point were the payments were too high for me to handle. The credit card payments became an issue. It all led to them sending me to collection, even though I contacted them many times to resolve the issue. Now, the credit card shows a derogatory on my credit report. I did many follow-up calls, to see if this issue could be handle. This lead to nothing, and no one that could have a response for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not apply for a credit card from 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 2020-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: General Motors Financial Company, Inc.
State: NC
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property mortgage is serviced by MyLoancare.com. I have been trying to access my online account for months. It recognizes my account but says that my online credentials can not be verified when I try to reset my password. There is zero way to reach a real person. There are only automated systems that run in circles and waste time. It is crazy that someone can hold your mortgage and be completely unreachable. I need to access my online documents to complete a refi on my primary residence. 

Please 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 2021-02-19
Company: THE MONEY HOUSE, INC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 closed a mortgage va loan processed through Moneyhouse, Since the start of the transaction Moneyhouse has been totally deceptive and dishonest.Moneyhouse through its representative XXXX XXXX used the real estate broker XXXX XXXX, to obtain sensitive financial information from me.This was at the beginning of XXXX.Would like to clarify that I only went once to Moneyhouse once at their XXXX branch.XXXX  XXXX came to my house once to see the property and at the at that time he filled the purchase agreement in which to testify to his incompetence he me sign in the buyers spot and in the realtors spot.Much to the ydiscredit of Moneyhouse this oversight was never rectified.I need from Moneyhouse a copy of all documents I have signed during the mortgage process, from the time XXXX XXXX met me in the Moneyhouse XXXX office to the closing on XXXX had spoken to XXXX XXXX via mobile phone and he attempted to transact the preliminary steps in the process.The day of the call he was sick with stomach issues, so he told me.The process overwhelmed him and we were not able to get anywhere.He told me the pandemic he doubted if any time soon he would be to continue the process at the XXXX office.XXXX XXXX got XXXX to see me shortly there after at the XXXX facility.There I signed countless documents, which I wasnt given copies of.I especially want a copy of ( no coercion statement, copy of statement were I was told the importance of a property inspection, copy of form were different services were chosen for me by Moneyhouse ) In the process the only person I had contact with and there by perhaps he can seen as chosen by.Mr.XXXX  and Moneyhouse chose all the services for me.I have had been in several mortgage transactions and I have never met with corruption and certainly at this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Unauthorized/ Fraudulent inquiries on 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 2018-02-27
Company: CITIBANK, N.A.
State: WI
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:
IT HAS COME TO THE ATTENTION OF MYSELF AND MY HUSBAND THAT CITBANK XXXX, HAS BEEN TAKING DOUBLE PAYMENTS FROM MY XXXX ACCOUNT AT MY LOCAL CREDIT UNION. IT SEEMS GOING THROUGH MY LAST YEAR OF STATEMENTS IT HAS GONE ON FOR ATLEAST SINCE XX/XX/XXXX ... 

CITI BANK DID STATE TO ME VIA RECORDING THAT THEY DID MAIL OUT DUPLICATE CARDS BACK IN XXXX AND XXXX OF SOMETIME NOT SURE OF THE YEAR SINCE WE HAVE BEEN MEMBERS SINCE XXXX. ARE CARDS HAVE BEEN PAID IN FULL AND HAVE NOT BEEN ACTIVATED OR USED SINCE XXXX, XXXX. IN XXXX. 

PLEASE LET ME KNOW HOW TO GET THE COLLECTION CALLS TO STOP AND THE FREEZE TO HOLD ON MY ACCOUNT SO THAT IT WILL STOP GOING UP. I HAVE SPOKEN TO XXXX IN FRAUD, XXXX, AND SEVEAL OTHERS AND KNOW ONE KNOWS WHATS GOING ON. 
I HAD MY IDENTITY SOLEN ... AND JUST FOUND OUT IN XXXX OF XXXX. I FILED WITH XXXX AND HAVE A FILE # AND WITH SOCIAL SEC. 

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 explanation
Consumer complaint received 2018-10-02
Company: Security Credit Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a vehicle financed with Security Credit Corp. In XX/XX/XXXX, I paid off the loan. Despite that, Security Credit is still reporting to the credit bureaus that I have an outstanding balance. And furthermore, they are reporting that my account is past due. This account has been paid off now for a couple months, and has never been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Solomon and Solomon, P.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Solomon & Solomon PC stated in their response to a complaint that I submitted in XXXX 2017 that they were coding my complaint for a delete with the credit bureau 's. This account is still present as paid on my credit reports but as Solomon & Solomon PC stated I want the account deleted and I would like Solomon & Solomon to contact all 3 credit bureau 's to have account deleted. Below is Solomon & Solomon 's response from XXXX/2017. Company responded Status Company responded Closed with non-monetary relief on 2017XXXXXXResponse TypeClosed with non-monetary relief Company 's  response The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX  we have coded a delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted Portfolio RC on XX/XX/2020, by certified mail that was delivered and signed for on XX/XX/2020 requesting a validation of debt for the amount of {$1600.00}, I did not received a response. I mailed a follow-up letter to Portfolio on XX/XX/2020 ; my letter was delivered and signed for on XX/XX/2020 requesting to validate the debt requesting a response within 15 days from the date the letter was received. The company is ignoring my request and the company continues to report this debt to the credit bureaus causing damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Twice I tried sending information to equifax to remove fraud alert from credit report because I cant open a new account or anything ... I called again and still nothing and they act like they can't speak good english ... .they wanted a copy of my id, ssn, and utility bill I sent ... .here below I attached those 3 they need to remove fraud alert with a utility bill with my current address on it ... thanks In advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Incorrect information on 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 2022-10-05
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Axos Bank on XX/XX/2022 that an account had been opened in my name. I had never heard of Axos Bank before and never opened an account with them. I called them immediately to report the issue and they informed me that they would research it. I called again on XX/XX/2022 and was informed that an account had been opened fraudulently using my information and had been closed. They were unable to provide me with additional information about how much of my personal information was used or how someone was able to open an account with zero verification from me. My name, personal email, and SSN was compromised without so much as a call back from Axos Bank. This identity theft was completely mishandled by Axos Bank. An account should never have been allowed to open with so little PII or verification. Additionally, my report should have been addressed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Ive been a capital one client for over 16 years opening my first credit card account with them in XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even capital one agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

Company response to consumer: Closed with monetary relief