BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Bread Financial Holdings, Inc.
State: OH
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 AM FURIOUS!! WHY IF MY PAYMENT IS POSTED TO MY ACCOUNT AND IT SAYS MY AVAILABLE CREDIT IS A CERTAIN AMOUNT WHY AM I LOCKED OUT OF MY DARN CARD AND CANT USE IT? YOU HAVE RECEIVED MY PAYMENT. YOU HAVE POSTED MY PAYMENT BUT YOUR HOLDING MY AVAILABLE CREDIT " HOSTAGE ''??!! UNTIL " YALL FEEL LIKE IT? '' XXXXMMENITY RECEIVED MY PAYMENT OF : {$3100.00} ON XX/XX/2022!! POSTED THE PAYMENT TO MY ACCOUNT ( SO IT CLEARED THE BANK ) AND MY ACCOUNT SHOWS I HAVE {$2100.00} AVAILABLE CREDIT BUT YOU ARE NOT RELEASING THE MONEY UNTIL YOU FEL LIKE IT?? THEN REFUND MY PAYMENT AND I WHEN YALL DECIDE TO RELEASE MY AVAILABLE CREDIT THEN I WILL SEND THE PAYMENT IN! YOU CANT ACCEPT PAYMENT THEN NOT RELEASE THE FUNDS!! THATS STEALING!!! 

EITHER RELEASE THE HOLD ON MY LIMIT OR IM CONTACTING MY ATTORNEY AND FILING THEFT CHARGES!! COMMENITY BANK BASICALLY TOOK THE MONEY FOR MY PAYMENT, APPLIED IT TO MY ACCCOUNT BUT SAYING, " BY THE WAY, U DONT HAVE ACCESS TO THE ACCOUNT? AND THE ACCOUNT IS STILL OPEN??? XXXX XXXXXXXX XXXX XXXX IF MY FUNDS ARE NOT RELEASED AS OF THE DATE MY PAYMENT CLEARED WHICH IS DAYS AGO, I AM CONTACTING MY ATTORNEY TO FILE THEFT CHARGES AGAINST YOUR BANK!! ND ALSO THEFT BY DECEPTION!! YOU TELL ME TO MAKE A PAYMENT, I MAKE THE PAYMENT, YOU CLEAR THE PAYMENT BUT I HAVE NO ACCESS UNTIL YALL DECIDE TO RELEASE MY MONEY???? I THINK NOT!! I WILL ALSO BE FILING A COMPLAINT WITH THE, CONSUMER FINANCIAL PROTECTION BUREAU TO ADVISE THEM OF THIS " PRACTICE '' OF YOURS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Secure One Capital Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did a refi on my home and the company was Secure One Capital. I never received a statement from them to make my first payment, so I sent it to the address in my loan paperwork in XXXX 2015. The check cleared on XXXX XXXX, 2015. Around the end of XXXX, I receive a statement form another lender called XXXX XXXX. On the statement it showed I was late on my XXXX payment. 
So I had my wife contact Secure One Capital. Took numerous calls and emails trying to get Secure One Capital to forward the payment to XXXX XXXX. Still to this date, the payment had not been forwarded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I authorized my bank to send a lump sum payoff to Capital One. It was my intent to complete payoff the card. After my payoff was issued, Capital One still showed an interest charge of {$34.00}. I contacted the company to respectfully request waiving this charge since it was my error, I was not aware that I had to call in for a payoff amount. 

The company after many attempts to request waiving this small charge based on my many years of excellent payment history, they appear to be unwilling to waive this charge, even though they are fully aware of my effort to completely pay off my account. I spoke with a XXXXXXXX XXXX  XXXX - XXXX on XX/XX/2022 and she told me she had full authority to make decisions on this account. She decided not to waive this {$34.00} charge. 

Please work with Capital One on this matter to resolve it. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the pandemic I reached out to Chase regarding my husband and I both losing our jobs. Obviously for months, like everyone else affected by Covid, we were not financially able to pay the minimum payments due. We reached out to Chase and was denied multiple times for deferments and payment arrangements. 

For six months, until we both started working again, Chase continue to report the delinquency to my credit report, affecting me greatly. Since we both started working again, I have since ( and prior to the pandemic ) been in excellent standing with Chase. Unfortunately the six months of negative reporting continues to affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have Rushmore, ore Loan Servicing as the lender for my mortgage. I have receive several conflicting reports about my mortgage payments. I am currently up to date on my monthly payment s.. Payments have been sent and returned to me and additional late fee applied. This has occurred on more than XXXX occasion. Request for a loan modification application have not been sent. I have most recently received a letter with an intent to foreclose. I like to have my account current and maintain monthly payment as to such time I have paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: U.S. BANCORP
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I would like to report a complaint against US Bank XXXX for failure to pay me the excess amount I had paid almost three months ago at the maturity of my auto lease. See attached letter

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 2022-07-25
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I started a transfer to my niece XXXX XXXXXXXX for {$2900.00} to be converted to XXXX BRL. They took the money out my account on XX/XX/XXXX and on XX/XX/XXXX they told me that it had been delivered into her account. I sent a message to my niece to make sure the transfer had gone through. It had not. XXXX got online with Remitly to tell them this. The told me they would look into it and get back to me. For several weeks I would contact them to get answers and for them to find my money and complete the transfer. Always they would ask me to wait 24, 48 or 72 hours while they look into it. Last week told them that I had enough and for them to just give me my money back. Still the same answer as before, please wait 24, 48 or 72 hours. Finally I told them if they couldnt take care of it I would contact the CFPB. After that they started calling to say that they are working on it. But each time they call its still the same. Please wait. We are waiting for our partner bank to get back to us. Its been four weeks since they said it was delivered when it hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I called into Experian on XXXX to get an addresses removed. I was intially advised my information was compromised and I called in on XX/XX/06 to get it fixed. Which I did not. 
I attempted to get an address removed but was advised I couldnt because it was attached to a loan. She asked did I have student loans and I said yes and said well this cant be deleted. I the requested a supervisor. She took my number down and said she was going to transfer the call I said wait Im not finish and then she says well you asked for a supervisor they will finish. She cut me off while I was speaking and attempted to transfer the call but of course it got disconnected. Pls remove the addresses attached.

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 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting my credit inaccurately. They have deleted XXXX of my credit cards from my credit report. The total amount of credit of these XXXX cards is {$3500.00}. This is bringing down my credit score to a XXXX which is considered to be average. XXXX and XXXX have my score above XXXX. They are also falsely reporting my credit utilization ( Transunion is showing 46 %, XXXX is reporting 16 % ) and available credit. I need to have this fixed ASAP. I 've already used their dispute process and have even sent them certified letter asking them to fix this information, but they still have n't. I need the following XXXX credit cards added back to my Transunion credit report : XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$500.00} - XXXX I 've also attached my XXXX credit report as this is correct and should be used as a guide for Transunion. I 've already sent it to Tranunion in my certified letter package. 

Please see attached documents for my case.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Google Compare Credit Cards Inc.
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Hi I have been having major issues recovering my money back from google Inc . I and my bank on at least 10 calls to Google on 3 way been trying to recover my funds from them. I filed with my bank because google was contingent to take money from my bank even after being told to stop. I filed XX/XX/XXXX and then my bank gave me my money back. Then google asked for a reversal of my money and then claimed to have sent it back. So my bank and visa did an internal investigation and it came out google lied to me and to my bank pnc. We have tried to call and then google claims they sent funds on XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX and in which all was a lie. I also filed with attorney general in California and google claimed to have sent XXXX in which my bank verified this was a lie. Then google not only lied but stole XXXX from my credit card and my bank account. And are refusing to give the money back. I just like any other person needs there money. So I from XX/XX/XXXX till now have contacted them to get no real response. My bank can verify that I have tried everything on my end but google are living about sending my money back. Then they gave me XXXX reference numbers XXXX and XXXX which my bank claims it is not a real number but something made up by Google. The case number is XXXX that XXXX a Google supervisor claims to have sent a refund of 120 days. The problem is that I filed complaints when it happened and my bank even says that wont cover half of what they owe me which is more then XXXX. But then they wo n't issue my money back after stealing it from me in the first place. So I am asking for help to recover my money. They have talked to me and to my bank on recorded line and stated they sent a refund when in fact they did not. So my bank told me to file with you until I file a Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reviewed my credit report in XX/XX/2022, sent a dispute letter to the company on XX/XX/2022 asking for validation of the debt. Also, never received first notice to dispute the debt. Company responded stating the account was sold to them by XXXX. I have no knowledge of this debt, company failed to provide signed application and agreement. The debt is also 7 years old. The company refuses to delete the account from my credit report. I have no signed agreement with the collection agency who purchased the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit is attempting to collect on a debt of {$11000.00} that does not exist.since XXXX. 
Midland Credit has served papers in a XXXX XXXX Court in an attempt to sue for debt that was settled and removed by original creditor I've attached the original complaint/request from XX/XX/XXXX advising this company was illegally reporting a debt that was not valid and they have continued to defame and violate FRCA laws without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX 2021, there is a hard inquiry made by Discover Financial Services. I have contacted the company with the number provided on my credit report. The company has told me that they have no information regarding that date or that someone used my information to take a loan out/credit card. I called XXXX to see if I can take the hard inquiry out. XXXX said have to make a report with the Federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions 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:
between XXXX XX/XX/21 I opened a dispute with experian against XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/21 i received notification that the dispute results were ready for XXXX on their website it stated that XXXX provided them with proof that they had a right to collect a debt that is over XXXX yrs old. i found this to be odd because i sent XXXX XXXX certified validation of debt letters starting XXXX. with no response from this company, I then called experian to see if they could provide me with that information since i've been trying since XXXX to get proof that they are who they say they are, however i did not get that info. a experian rep stated that XXXX did not provide any paper work showing that they have a right to collect any debt from me and that they just took their word for it. 

that is just mind blowing!!! if i am a consumer and i require that you provide proof, how in the XXXX is a national company just taking a debt collector 's word as accurate. Are you serious!!? i recently had another debt collection company contact me trying to collect on a student loan. unbeknown to this vampire i had already validated who my debt was with and you can bet your XXXX it was not with the company that was calling. 

I'm telling this story to say this. it is clearly easy for scammers to get your social security number and place items on your credit report. if the credit bureau 's are just taking someones word as gospel, it's so alarming and beyond idiotic!!. also experian makes it so difficult for consumers to dispute any items. you're only allowed to upload XXXX of proof ( XXXX documents ) and explain the issue within XXXX sentences. they're clearly not doing they're jobs. but i'm hoping that you will!!! they should be investigated and fined for the things they are doing or rather the things that they refuse to do to protect consumers. 

experian are not investigating these companies they closed the XXXX XXXX dispute, I still dont understand how when they are on the list as a predatory lender. 

P.S. i have attached the validation of debt letter that was sent and XXXX Response that i finally received after i filed an ftc complaint and you tell me if You think this is acceptable.

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 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX sets of fraudulent transactions involving my checking account both of which were reported to the Capital One. First set are unauthorized ATM withdrawals apparently completed while my card was not in my possession, dates and amounts as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. 
{$180.00}, {$240.00}, {$260.00}, {$330.00}, {$210.00}, {$300.00}. When I discovered these, I froze my ATM card and reported to the Capital One on XX/XX/XXXX. 
Second set for XXXX debit.transactions with the description XXXX XXXX XXXX all completed on XX/XX/XXXX for the amounts of {$50.00} {$40.00} {$75.00} {$120.00}. These were reported to Capital One as soon as I became aware of them on XX/XX/XXXX. No further information was requested by Capital One regarding any of these XXXX sets of unauthorized transactions. 
I received XXXX letters dated XX/XX/XXXX stating the investigation has been completed. Account records and transaction information available to us do not support a claim of unauthorized activity. Documentation used to decline your claim was based on/or includes the following : previous history with disputed merchants, account logins corresponding with timeline, and or location of disputed transactions, account activity, transactional history, phone calls and logins. As is my right, I requested copies of the documentation used to make the decision. I received a response to this request via email which consisted of a copy of my bank statement for the month of XX/XX/XXXX with no other accompanying documents or explanations. There was however a statement attached stating " We've thoroughly addressed your inquiries and won't be responding to future communications regarding this dispute '' Going forward Capital One has refused to engage in any further discussion or provide any additional information/documentations regarding these fraudulent transactions. I requested that all of my bank accounts with Capital One be closed, but they refused to close my checking account because they wanted to be able to reverse all the provisional credits that I was given for the unauthorized ATM transactions, which has now put my account into a negative balance for which they are attempting to collect interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my mortgage with Chase. This took about four months. The process included many egregious mistakes on Chase 's part. I spent over two weeks dealing with a loan processor who could n't understand that she was looking at someone else 's file. They dragged out the process with numerous mistakes and miscommunications. This forced an extension of my rate lock ( which I warned them was going to happen ). Dealing with the underwriting department was a nightmare of incompetence and passive aggression. At the closing they insisted that I pay them {$3500.00} to extend the rate lock after earlier acknowledging that this extension was their fault. In addition, the attorney representing chase - XXXX XXXX - told me over three times that my first payment would be due on XX/XX/XXXX. At the closing this was completely revoked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile. USAA. PROVIDES NO DELETE POLICY. See attatched XXXX Credit Report USAA Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXXWHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched USAA MC statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched USAA XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note XXXX  Credit Report has USAA Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} VISA ending XXXX. USAA OPENED A VISA XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. USAA USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. USAA REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )

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