BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-27
Company: LEXISNEXIS
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/2015 I sent Lexis Nexis disputes department an email which contained and FTC Affidavit, Police Report and a letter disputing over XXXX addresses that they had in their file for me. Email addresses that they have for me and reported bankruptcy information that they had reported on their consumer file and that they have also reported to other CRA 's that has drastically hurt me financially. I am the victim of identity theft and I asked Lexis Nexis to please freeze all the reports company wide so that no one can access them because the information is very inaccurate. They have done so but what they have n't done was to remove all the disputed addresses and the bad inaccurate information associated with those addresses. They sent me back a report stating that they have removed and or deleted the disputed information but they have not. All the inaccurate information is still listed and they have n't done a thing. All the addresses are still listed all the different variations of my name is still listed all the different bankruptcies in the XXXX different states are still listed. And there is also a judgement listed for an address that is being reported against me is still there and it has n't been removed. They have had well over the 30 day permitted time to remove these items and they have not done anything at all. What is the use in trying to protect myself and what is being reported against me if they want do their jobs and remove the fraudulent information and if they are getting this information from someone they are suppose to let me know so that I can contact that agency and get the fraudulent information removed. I again have attached the FTC Report, Police Report and the letter previously sent to them. Please block and delete these disputed items and do n't let them be re-inserted. Please do not report this wrong information to anyone else because it has cost me a job and declines from credit. Please fix this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I went to make a purchase at Macys In XXXX Florida with a {$200.00} Macys gift card, that was purchased 3 years ago and was told it had expired XXXX XXXX. Gift card had no expiration date on the back. After 2 hrs of trying to resolve the problem with corporate, I explained that in the state of Florida that a Law was passed in XXXX stating that gift cards have no expiration date. This issue is at a high level considering how many consumers are being gouged. XXXX needs to be held accountable for their lack of fair trade. Someone paid them in good faith XXXX dollars and they give the customer nothing. It sickens me to think how a large cooperation can steal from the consumers this way.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 non-monetary relief
Consumer complaint received 2016-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
after receiving notice of an impending direct deposit in my name on XXXX XXXX 2016, capitalone bank then accepts a deposit intended for me, but had already closed my account. causing me financial hardship. and not immediately returning the deposit to the ssa.gov. i wish to file a complaint with your offices, and receive financial resitution from this bank for the hardship they cause to me and my family with their reckless actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I previously completed a complaint but I wasn't sure it made it to you correctly and I just wanted to make sure you received all attachments. What I'm sending now is when I applied with Maryland 's XXXX XXXX XXXX XXXX. I have to send the whole packet to you because for some reason I'm not able to send you just the necessary pages. My previous ID # is XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I responded to a letter I received from capitalone360.com offering ( among other amounts ) a {$500.00} credit to a newly opened savings account with a {$50000.00} deposit. I tried unsuccessfully to accomplish this on their website. So I called them and was walked through the steps to, supposedly, insure it would n't happen again. I gave them my account number at XXXX to use to transfer the {$50000.00}. Then I got an email from them stating that to accomplish the transaction, ( from the email now ) : " Hang tight. Within 2 business days Capital One 360 will make XXXX or XXXX small test deposits ( each less than {$1.00} ) into your personal checking account. 
Check your account for the test deposit ( s ) by calling or visiting their website. 
Once you know the amount ( s ), both you and your joint holder must sign in to capitalone360.com. 
Click the 'External Accounts ' tab, select 'Unconfirmed ', and enter the amount ( s ) on the next screen. '' ( end email ) These test deposits did n't occur and, in a few days, I got this email from capitalone360.com : " We wanted to let you know that your recent electronic transaction was returned by your external financial institution. We adjusted your Capital One XXXX account accordingly. If you have any questions about the returned transaction, please contact your financial institution. You can also sign in to capitalone360.com to review your account information online. '' ( end email ) When I contacted XXXX via online " secure message, '' I was told there never was any attempt from capital one to deposit funds in my account, nor was there a record of them attempting to transfer the {$50000.00}. Bottom line is that I feel like XXXX XXXX have thwarted my attempt to take advantage of their offer because demand for the " free money '' was so great. The letter I received in early XXXX I believe, stated I had until the end of XXXX to take advantage of this offer. I did n't begin my efforts to open the account until XXXX XXXX so they would already have had several weeks to accept ( or reject ) others efforts to take advantage of the offer and realize the high demand. Have you had any other people complain about this? Regardless, I would appreciate your investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX XX/XX/2020 I submitted an online application for a credit card because of its generous offer when used to purchase gasoline. 

A hard pull was submitted to XXXX  credit bureau even though a hard pull had already been submitted to obtain a credit line increase with another of this credit unions credit cards I already possess in order to obtain a balance transfer, that was approved upon reconsideration. 

When several days had passed with my application labeled as pending, I sent an email message to the credit union inquiring about why my application had been so long in pending. 

Within hours, on XXXX XX/XX/2020, of my sending the email message, the credit union marked my application as withdrawn, though I did not ask for my application to be canceled or withdrawn. 

I have been sending email messages trying to learn why that my application for the credit card I want was withdrawn. I have also left two voicemail messages with XXXX in the credit unions underwriting department that have not been returned. 

I still want the credit card that I applied for that this credit union unilaterally withdrew from consideration though it hurt my credit score by pulling my credit file though it had already a fresh credit file from having approved my credit line increase on another credit card a couple of days or so before. 

I mention this because this credit unions previous policy has been to not pull a hard pull against someones credit within thirty days of having already pulled a hard pull, even when the hard pull was obtained for a different reason as can be verified by reading the online reviews about this credit union. 

I have had an impeccable relationship with this credit union up until the problems I had with obtaining the credit line increase and now this problem of an unexplained withdrawal of my most recent application for a credit card that I submitted on XXXX XX/XX/2020 but was withdrawn by the credit union on XXXX XX/XX/2020.

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 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America Accounts compromise, Bank of America personal checking account, Bank of America Business DBA Account, Bank of America Merchant Account, Bank of America XXXX XXXX IRA, Bank of America secure Platinum Credit Card Account, Bank of America Home Loan Account. My accounts compromise, without no reason code, tried to close My accounts. I have all the legal documents for my accounts, My accounts have large legal payments, verbal, written, Documentation for all my Bank of America Accounts. Documentation has been filed with the irs, tax, Congressman 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 2016-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX/XXXX/XXXX I applied for a credit line increase on my Capital One card. I received a letter from Capital One that states they are unable to increase my credit line right now due to my credit score. On the disclosure it states that my credit score was pulled on XXXX/XXXX/XXXX which is more than 90 days ago. I called in and spoke with a customer service representative who told me that if that was n't my score I needed to dispute it with XXXX. I explained to the customer service rep ( XXXX ) that I am aware through prior conversations that Capital One only does soft inquiries every 45-60 days or so, but it takes some time for it to populate to the credit line increase system. I was looking to find out when the next set of scores were going to populate as my Capital One Credit Tracker service has shown since XXXX my credit score has gone up allot and I believe based on my current credit scores that I would qualify for an increase. He told me that my billing cycle is every month on the XXXX. At this point, he clearly did not understand what I was asking so I asked to speak to a manager ( XXXX ID # XXXX ) who I explained the same thing to. He told me that on the letter there is a number for Equifax that I can call to dispute my credit score at. I again stated " Your letter says CAPITAL ONE obtained my fico score on XXXX/XXXX/XXXX that was more than 90 days before I applied for the increase, I already have a copy of my updated score and it has gone up significantly, I would like to know on what day your system is going to update '' he responded that it depended on my dispute. At this point I was frustrated with his lack of knowledge, being a manager and not knowing basic Capital One policies is unacceptable to me as a client. It really does n't give me comfort knowing that a manager at capital one doesnt understand what I am asking or have any idea what I am talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I opened a Capital One Credit Card and filed a dispute claim with them regarding an unauthorized charge of {$210.00} from XXXX Rental Car. They credited my account and then charged it back XXXX XXXX, XXXX at XXXX XXXX stating that XXXX Rental Car responded with screenshots from the internet that show NO authorization from me. I was appalled and replied on XXXX XXXX, XXXX to further dispute with a SIGNED statement from me that I did not rent a car, nor made any reservation, and closed my account. They acknowledged that they received my documentation on XXXX XXXX, XXXX at XXXX and that was the last correspondence I have received from them. 

On XXXX XXXX XXXX I engaged in a Chat session only resulting in continued false promises. 

The charge is still on my closed account and is being inaccurately reported to the XXXX Credit Agencies. 

I have made multiple calls to them to resolve this issue only to be passed around to multiple representatives that do not speak correct XXXX and have difficulties understanding what I am saying for over 30 minutes to over an hour each time with continued false promises of resolution that has yet to be resolved. 

When asking to speak with a US customer service representative that speaks XXXX as a first and primary language, I am transferred to another offshore representative that does not speak XXXX as a first and primary language, which continues until I am at my wits ends. 

I would like assistance from the Consumer Financial Protection Bureau to resolve this issue with Capital One and XXXX XXXX to resolve the unauthorized charge and with the XXXX Credit Bureaus to remove the inaccurate information from my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: U.S. BANCORP
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased XXXX XXXX gift cards of $ XXXX/each, totaling {$16000.00} for various business purposes earlier this year. Unfortunately through either a data breach or a card sequencing scam many of these card numbers were stolen and there was fraudulent activity on the cards. I am still out {$2000.00} in card value ( at XXXX point was {$4000.00} XXXX from the related fraud and the U.S. bank group, nor the group service the fraud complaints are resolving these issues in a timely fashion. I have provided them with all the requested data, and I think it is clear that this was all caused by an issue on their end and is not my responsiblity to resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
I have been sent several preapproved status card offers from Capital One. So, I finally submitted the application online with their reservation number provided. They sent me a letter claiming they tried to contact me but were unable. That is not true. They never attempted to contact me. I sent them legible copies of my identity, utility bills for my current address, and my current phone number. I never heard from them again. I want their hard credit inquiry off of my credit file if they are n't going to actually look at my identity or actually contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My XXXX Aunt went into your Capital One bank in XXXX, NY in XX/XX/XXXX. She had an IRA Annuity from XXXX that was issued in XX/XX/XXXX. She indicated that she wanted a fixed income for life. Instead of annuitizing her existing contract which was paying a higher annuitization rate due to the fact that it was an older contract issued when interest rates were relatively high, the Capital One agent, although the objective was current income, put on the financial profile that liquidity needs were low and she had a 9+ years time horizon. I do n't know of any XXXX with that kind of investment time horizon. Liquidity was paramount. On the Regulation 60 the reason for transfer was " need for Lifetime income ''. And they said " the reason the current contract could not meet the client objective : " it is a fixed annuity ''. In fact, the existing annuity could have provided a higher annuitized amount as it was an older contract, issued when interest rates were higher. A fixed annuity that was 11 years old could ( and should ) have been annuitized as it would have paid a higher rate of return. To make matters worse, as an IRA from which Required Minimum Distributions had to be taken, by using an immediate annuity, she is being forced to take much more than the required amount, therefore pushing her into a higher tax bracket and causing her Social Security to become taxable as a result. Nothing was done for the benefit of this woman. Because of their greed they put her in a very bad position financially. The only reason for exchanging the annuity was to put a commission in the pocket of the agent. This is taking advantage of Seniors at the least. At worst, it is FRAUD. The contract never should have been approved for sale under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation