BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2016, my plastic surgeon recommended I get a Capital One credit card to cover my XXXX. The main benefits of the card they recommended were 0 % interest and XXXX due till XXXX 2016. Capital One did not inform us of a minimum payment due till we were XXXX months late with a minimum payment. Once informed in XXXX 2016 that there was an issue we promptly payed the minimum and and penalties. On XXXX XXXX, the full balance was paid off. This error on XXXX XXXX part is affecting my ability to secure a mortgage on my dream home. I respectfully request that Capital One remove this blemish from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022, I was informed by TransUnion that I had opened an account with XXXX XXXXXXXX XXXX On XX/XX/2022 I called TransUnion to let them know I did not open an account with XXXX XXXX XXXX. I was told that I would have to contact XXXX XXXXXXXX XXXX to get the account closed. I contacted XXXX XXXX who told me that there was no record of my social security number opening an account. I then contacted TransUnion who told me that I would have to get a statement from XXXX XXXX that I did not open an account. Contacted XXXX XXXX who told me they could not do that because I do not have an account with them. 
I submitted an online request to TransUnion to have this information removed on XX/XX/2022. I called TransUnion on XX/XX/2022 and was told that they would contact XXXX XXXX to see if an account had been opened in my name. 
TransUnion is the only credit reporting agency with the information that t I opened an account with XXXX XXXX. XXXX and XXXX are not reporting this information because it is incorrect.. 
On XX/XX/2022 called ) TransUnion XXXX per XXXX I was told to call XXXX XXXX. On XXXX I called XXXX XXXX XXXX XXXX there is no record of my social security number or my street address with an account with 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 2020-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.

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 2022-07-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XX/XX/XXXX I was not able to make a payment due to a system glitch with Comenity Bank for XXXX Credit card. My payment is due in the XXXX and I was not able to get in their system until XXXX. I called back on XXXX to check my balance and make a final payment and found I was charged a late fee. I called and they refused to refund because my account is closed. This late payment was not my fault and due to their system issues. I would like the fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I have a capital 1 credit card. I was faithfully paying it until my business failed a year or so ago I stopped paying for a while then got back on track when I got a part time job. My payment due date is the XXXX of every month. In XXXX, it got there on the XXXX, XXXX on the XXXX and XXXX on the XXXX. Sometimes, I pay from my bank account and sometimes from capital 1 site. The then decided to send my interest up to XXXX % which is rediculously high. Causing an interest of {$440.00} a month and a total payment of {$570.00} per month. Last year, I had asked capital 1 to settle when I had just come with a bit of money but they refused to do so. Unfortunately, I can no longer pay them as they do not want to work with my current financial situation. This hike is inreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX XXXX XXXX : XXXX. ) In accordance

with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. The credit bureaus have responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last
active inaccuracies, as

well as last payment dates that are completely frivolous, and the reporting of the same account multiple times. Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Company ( ERC ) LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3100.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with Enhanced Recovery Company LLC. ERC does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I traveled over seas and somehow my credit card information was compromised. I was not aware of the transactions until I returned to the United States due to the lack of internet service. I contacted capital one on many occasions trying to resolve the issues but I am unable to get the assistance I need. I have attached documents filed for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've been a victim of predatory lending by this company. I was under the impression that I was signing up for a loan with a fixed installment payments but much to my XXXX  I have discovered that I'm an endless debt trap. No matter how much I pay my loan balance is not decreasing which is causing me great financial harm and distress. The sold this loan as a line of credit but failed to tell me that would never pay this loan off by making the payments. I feel that this was an act of deception and I want out of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving NUMEROUS calls for someone named  XXXX   RPM (  Receivable Performance Management ) at phone number  XXXX . I am NOT  XXXX  nor do I know a  XXXX . I have had my phone number for 9 years such it is unlikely this was  XXXX  's number. RPM continues to call me about a debt  XXXX  owes. When I tell them I am not  XXXX  they hang up. When I call back they put me on hold  for 3 minutes, pick up and immediately hang up. When I call from a different phone and get through to a person  and explain the problem I get put through to a voice mail  of a manager that is full and at which time the system automatically hangs up on me. It is tiresome harassment that I have on multiple occasions tried to correct. PLEASE MAKE THEM STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX 2 LATE PAYMENTS REPORT IS INNACCURATE UPDATE TO PAID AS AGREED LATE PAYMENTS ARE INNACCURATE

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 2022-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
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 : XX/XX/2021 my checking account was scammed/fraudulently of {$1000.00}. 
my bank info. : Fifth Third Bank Src Trac # Seg - Serial # - Date Posted - Amount - Description - A - XXXX - - XX/XX/2021 - {$780.00} - Sent XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX - - XX/XX/2021 - {$210.00} - Sent XXXX XXXX ID XXXX As of present time and regardless of the many items of info. I furnished Fifth Third Bank ; including XXXX County Sheriff 's report ; I have not received any compensation or replacement of funds. Also, I NEVER used XXXX! The {$1000.00} stolen was used to buy XXXX gift cards under the name of XXXX XXXX. 
Thank You for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened my mortgage with BOA on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with BOA on XX/XX/XXXX. The closed account for BOA is still reporting negative on XXXX and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with BOA Mortgage back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX  assumed the loan, it reports from the beginning of the opened loan original date. BOA is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by BOA. They acquired the loan and the information and reports from history.

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 2020-03-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found this debt on my credit that I never opened. This company saying I opened an account with XXXX XX/XX/2020. I need to know what legal steps to take this false claim off my credit. I don't know how this happened but this must be taken care of immediately!!!! I disputed this claim through XXXX and they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, I went to Chase Bank to make a withdraw. The branch was located at XXXX XXXX XXXX XXXX, OH XXXX. At approximately XXXX I entered the branch and indicated to the " greeter '' that I was there to make a withdrawal of {$1000.00}. I had planned to talk with a banker but I was directed to an ATM. I utilized the specific ATM the gentleman pointed to and the ATM debited {$1000.00} from my account but only dispersed {$360.00} leaving me without {$640.00}. 
A personal banker assisted me and I was under the impression they would retrieve my cash so that I would be made " whole '' prior to leaving the branch. This did not happen. A " claim '' was opened and I was told my funds would be back in my account within 12 hours. Later during the evening on XXXX, I called the Chase claims line and was told that the correction could take up to 45 days, which is significantly longer than the 12 hours  initially promised to me. 
On XXXX, I checked my online account and the money was still not refunded. I called the claims line at approximately XXXX on XXXX and complained about this process. I was told by the first agent the claim was already " approved '' but the escalation agent indicated that the claim is still in the processing stage. I'm obviously struggling to get clear answers from Chase and this is not acceptable.

Bottom line : Chase has {$640.00} that belongs to me. I'm beyond disgusted that the banks, which the American people bailed out in XXXX, can prey upon consumers this way. This is shameful and needs to be addressed ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made a deposit into my Capital One credit card, {$200.00}, on XX/XX/2020 and this started the problem I now have. I believe that because this deposit was {$1.00} over the limit ( which I later found out and tried to correct ) it created a problem at Capital One for me. The previous month, XX/XX/2020, I made a deposit of {$200.00} with NO problems? Why I wanted to find out? As I did try to get information, it seemed I was getting the run-around from Capital One. So I closed the account ( probably not the best thing I should have done at the time ) and wanted a refund of the deposit. This is where it goes downhill for the next 2-3 weeks. I have been on the phone with Capital One for at least a dozen times + ( just on the phone with them an hour ago ) and once again I get the run-around, bad information, not told things I should have been told, lies and anything else you can think of too. All of this over a {$1.00} too much of a deposit??? I realize that there are procedures, wait times, cycles with credit cards, but this not a professional way to help a Capital One customer at all. I could really use these funds NOW, but I may not until the end of XXXX or the beginning of XXXX? Wow! Any help from CFPB will be greatly appreciated at this time please. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: AMCOL Systems, Inc.
State: NV
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:
I applied for credit and was denied due to an unknown collection. I was forwarded a copy of my report and noticed the fraudulent account. I have tried contacting the debt holder and can to no resolution. I am a victim of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
When I called TransUnion at ( XXXX ) XXXX on XX/XX/18 at XXXX XXXX  a woman picked up the phone. She asked for my social security information and the reason for my call, didnt answer a question I asked, left me on silent and then hung up. 
Im afraid she took my information to steal my identity.

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