BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Creditor, Capital One, continues to report on a charged off account. The account was sold to a collection agency in XX/XX/XXXX. In spite of the fact that the account was sold to a collection agency, Capital One continued to report negative and late occurrences to the credit reporting agencies for approximately the past 32 months and thereafter. 

The debt has since been satisfied and the collection trade-line deleted from my credit profiles. Although the debt has been satisfied and deleted by the collection agency, Capital one continuously re-ages the account month after month as it is indicated by the credit reporting agencies and reflected in my credit profile. 

It is to my understanding that an original creditor can not report on a closed or transferred account. Therefore all reporting should have ceased over 3 years ago. 

I have written a letter to Capital One on 2 separate occasions ( XXXX and XXXX ) to request of Capital One to correct the error with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020 I attempted to make a cash deposit of XXXX to my Bank of America account using a Bank of America ATM. The machine counted the money but instead asked me to list the amount of the cash deposit which was in all XXXX dollar bills. The machine ripped one and returned it to me. I tried to list the amount of the deposit but I was unable to put in the correct amount because the screen malfunctioned. The machine did not give me a receipt for the deposit. I then called the phone number on the ATM to start a claim and I also called the police before leaving the ATM site.I have both a DC # XXXX and I filed a claim with the Bank of America. I also took pictures while standing in front on the ATM of the screen at the time.There are camera at each of Bank of America 's ATM 's so there is video of the transaction.Bank of America provided an investigation and now hey are claiming that there were no additional funds in the machine, I also have proof of where the cash came from that I deposited. This is a large sum of money and I just want to credit to my account. I submitted this money to bank of america in good faith. i did everything I was supposed to do to no avail. 
I need help in retreiving my money back. These are very difficult times and I need this money to take care of myself and my family.

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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this  unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca 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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.

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 2022-05-19
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased tickets ( XXXX XXXX ) on XXXX to XXXXXXXX XXXX XXXXXXXX show- for XXXX gift for kids. Order # # XXXX - paid with my Chase Card Show was scheduled for XX/XX/XXXX XX/XX/XXXX we received a notification from XXXX that entry requirement has changed and all attendees to this event must be vaccinated. 
Since we couldn't accommodate, we have requested a refund from XXXX on XX/XX/XXXX. XXXX representative XXXX XXXX replied that she understands and that our tickets are no longer valid for entry and that refund was to be issued within 30 days. 
After multiple attempts ( calls ) to get the refund processed, XXXX is yet to issue one. 
I have filed an online dispute with my credit card company to dispute the charge ( around XX/XX/XXXX ). There was no contact from Chase, asking to provide any additional details. Chase refused the dispute. 
I called Chase to ask for the reasoning and no actual reason was provided, only that the charge is valid. I told them that they should have contacted me for evidence that refund was supposed to be issued. In response I was told to re-open the dispute, by sending a letter to Chase with all the evidence. 
I sent a letter- re-opening the dispute on XX/XX/XXXX and provided the evidence if XXXX own admission that refund should had been processed within 30 day of my initial request. 
I just received a letter from Chase informing me that the dispute was closed and the charge is valid and Im responsible for the charges and all associated interest. 
XXXX is not responding to calls, Chase is ignoring the evidence and not basically finding in favor of XXXX. Im lost and need help to get this resolved. 
Please please please help to get the refund. It's bad enough that I had disappointed kids on XXXX, not getting the gift they wanted, now I'm out of over {$800.00} and no way to recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my both Personal and Business Accounts with Chase Bank.

Recently, I have seen someone or a some fraudsters have been putting monies into my both Accounts. I told the bank, but they only closed and froze my accounts. The business account was closed but nothing has been done about it for over two months now.I had money already in the account before those strange money came in. I did not touch the strange money. They have refused to give me my balance on that account. I called many times, been at the banking halls, even today. I went to report at the police stations multiple times.I have still not got my balance. 
I saw someone or fraudsters putting money into my personal account where I receive my unemployment benefit from. I reported and then they have frozen my account and can't buy food to eat. 
I suspect some XXXX whom I had business contract with are using my identity to operate. They frozed my business account two years ago.They collapsed my business two years ago and made me went bankruptcy. I suspect them. They might be using my identity somewhere else. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector was hired by my former to collect a debt that should of never been reported by the landlord this company took 20 points off my fico score and it cost me a mortgage loan because of this they refuse to put those 20 points back on my score and the landlord they just dodge my questions with excuses they need to be held accountable to for this there was no excuse for this at all none.

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 2022-05-19
Company: DK, Consulting, Inc dba Huntington Financial Services
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My mother was contacted by XXXX XXXX with Huntington Financial Services- he told her I should contact him. I contacted him and he informed me I have a loan that needs to be repaid. I asked questions about it since its new information to me, and he threatened to seize my car and belongings, call my work, and use my paycheck to take the money that is owed. He only told me the loan was {$500.00}. When I asked what type of loan l supposedly took out- he replied if youre not going to pay the loan we will sue you. I have no knowledge of this loan and was just wanting information. I also asked to speak with his supervisor because he is unprofessional and he cursed at me then told me he is the supervisor. According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act and Truth in Lending Act, he violated my rights twice ; by threatening harm AND threatening to take my property.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CITIBANK, N.A.
State: AL
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:
In XX/XX/2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.

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 2022-05-19
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank ( Mortgage Lender ) did the escrow assessment on XX/XX/XXXX. The assessment showed that there was an excess of {$13000.00} which was to be returned within 20 days ( XXXX Timely escrow payments and treatment of escrow account balances ). 

I have still not received the Cheque from the bank after 60 days and it is causing financial hardship because I have owe that amount to the county in supplemental property taxes. 

I have made several attempts to get in touch with the bank to resolve this issue but it has not been resolved yet. Please see details of interactions with Mortgage department of US bank. 

XX/XX/XXXX : Called in to check the status of Cheque. Was told the cheque was never dispatched. Advised to call back on XX/XX/XXXX to request reissuing a new cheque XX/XX/XXXX : Called in to reissue the cheque. Cheque reissued, expected to arrive by XX/XX/XXXX XX/XX/XXXX : The cheque did not arrive. Called back again, chatted with XXXX, ( XXXX ID : XXXX ). Was informed that the US Bank Agent committed a mistake in issuing the cheque on XX/XX/XXXX. XXXX re-issued the cheque, XXXX XX/XX/XXXX. 

XX/XX/XXXX : The cheque still not there. Chatted with XXXX XXXX XXXX ( XXXX ID : XXXX ). Was informed the cheque will arrive by end of day XX/XX/XXXX. 

Almost 60 days have passed since the amount was approved. Not receiving such a huge amount back for a long period of time has caused financial stress and hardship, fines on escrow payments and interest on credit cards. US banks delay is entirely responsible for this suffering

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 2015-09-22
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
During my mortgage loan application for my house, the Loan Officer at XXXX, XXXX XXXX, promised me to get rid of a loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents and was told that she was going to go over all the details with me later. When I confronted her about the removal of the fee ( which she did not remove ) she said : " Oh shoot, I forgot.. do you want me to redo the whole loan? ". I was really XXXX at her and really mad because I was in a rush to move in to the house since I had already gave the 30 day notice to my previous landlord. I will never ever recommend XXXX to anyone, especially with this women.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Lexis Nexis has violated my federally protected rights. 
I reached out to Bankruptcy court regarding if they furnished the bankruptcy to Lexis Nexis they responded they did not, the letter is attached.. 
I sent Lexis Nexis a handwritten letter around XX/XX/2022 exercising my federal rights and they have failed to respond. 
Lexis Nexis did not have a Permissible Purpose, and bankruptcies shall be excluded per the FAIR CREDIT REPORTING ACT. 
I HAVE NOT GIVING WRITTEN INSTRUCTION TO FURNISH THIS INFORMATION NOR HAVE I GIVING AUTHORIZED USE OF MY INFORMATION TO LEXIS NEXIS. REMOVE THIS INFORMATION TO PREVENT FURTHER INJURIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for refinance and the whole process tool 6 months. 
The problem was not the delay, but how unprofessional the Citibank people were. Why never kept us in loop or give us any updates. 
We lost almost 6 months in the process and lost other good offers from other banks. 



XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 2 days ago ) to XXXX Hi XXXX, It has been 2 weeks since I sent my latest updated documents and 1 weeks since my complaint for escalation. I have not heard back from you. I checked loan status online and it shows no progress since XX/XX/XXXX. With no response and no correct information I feel we are in dark and have no information to make any decision. It has costed me lot of money with high interest rate for 5 months + interest rate for heloc + appraisal money. 

While waiting for your response on escalation for a week and still waiting, I have shopped around and I am getting same interest rate of 2.875 % for XXXX arm from other bank. I do think the product and term provided by Citibank is the best and that is why I chose to go with Citibank at the first place. But if the loan does not close and keep costing me money then there is no point for me to wait. 

At this point, I feel that if you can not give me guaranteed closing date in this month, then I would prefer to cut my losses and go with XXXX arm with other bank. 

I will wait for your reply until Wednesday morning and if I dont hear back from you with guaranteed date then please cancel my application and return the appraisal fees. 

Thanks, 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 monetary relief
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I never received the bills from Best Buy credit card, and therefore was not aware of the payment dates, once I was contacted by phone I learned of the issue and submitted payments immediately, and have paid the balance in full. However, the missed payments have placed a bad mark on my credit report, and as I am a young father of XXXX children who is preparing to purchase a home that is dramatically impacting my life. Please remove these bad marks from my record as I never received the bills.

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 2015-07-20
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Sears should have protected me against the fraudulent use of my credit card and failed to do so. 
A company charged my credit card without sufficient authorization. 
The company said1. I would not be charged even if my insurance company paid nothing. 
2. Then they said that my insurance company paid for it. 
Neither of these XXXX things were true. I found this out because the company charged me anyway. 
I disputed the charge and Sears Master Card denied my claim. In denying my claim they failed in their obligation to protect me from invalid charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
case # XXXX My citi mastercard card # XXXX XXXX XXXX XXXX The card dispute dept is bad service and no idea what they are doing. 

I used the card and overpaid {$110.00} which XXXX XXXX XXXX   manger offered me I called the bodyshop. XXXX XXXX agreed to credit me back on XXXX XXXX, XXXX. 
( I sent citi card manager bill email for the promotion 5 % from its part charge from my payment, etc ). 

But she did not put the credit in. I asked citi card to charge back, the dispute dept did not work out and took the letter from XXXX, which did not relate to the case, since the letter was not from the manager XXXX and did not discuss anything about the XXXX XXXX  5 % parts rebate offer. The letter showed how much I and my insurance need pay before the 5 % promotion. 
The manager used the promotion to get my business. 

That lead me to loss {$110.00} for no reason. 

I complaint to citi, citi emailed me that they will resolve in 15 days on XX/XX/XXXX. 
As today, I did not receive any feedback from citi. 
I called the number, its waiting time is more than 45 minutes, do I gave up. 

Thanks. 

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 2015-05-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: NY
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:
In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXXXXXX XXXX the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX   balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.

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 2015-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I Received Notification That Exquifax Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX XXXX, And XXXX. Both Of These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Equifax Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The Equifax Credit Reporting Agency Should Accurately Report That The Balance is Zero.

Company response to consumer: Closed with explanation