BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-05
Company: LEXISNEXIS
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Lexis Nexis was utilized in the month of XXXX 2016 to obtain a consumer report on me, from XXXX. One week ago, a request was made to have this report sent to me. As of yet, Lexis Nexis has failed to follow through and send this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hello CFPB, On XXXX XXXX around XXXX I attempted to make an ATM withdraw at a XXXX ATM ( XXXX XXXX XXXX, XXXX, MA XXXX ). After being rejected by both ATM 's saying that my account had insufficient funds I assumed that something must be wrong with the ATM or an error with my Capital One 360 debit account associated with the card, as I had checked my balance earlier in the morning at it was slightly over {$700.00} dollars. When I checked my account later that night I discovered that an withdraw of {$700.00} dollars had been made at an ATM at XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX. I live in Massachusetts and did not make this withdraw so I immediately flagged the transaction and closed the debit card. 

Please let me know if there are any additional steps I should be taking to dispute this transaction. I have contacted the back associated with the debit card, Capital One 360, but they are closed for the holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Citibank/Best Buy 's account was credited {$430.00} on my behalf by my bank for payment on XXXX XXXX, 2015. Payment was due on XXXX XXXX. The amount paid/credited to Citibank/Best Buy covered the entire balance on my account. Citibank/Best Buy has charged, and is continuing to charge late fees despite electronic records showing that the payment was timely received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: NORTHWEST BANCSHARES INC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created an account in Northwest Bank XXXX XXXX XXXX XXXX, XXXX, Indiana ( XXXX ) XXXX on XX/XX/XXXX and deposited {$2000.00} through cash advance from XXXX bank which has my direct deposit setup. I did XXXX XXXX payments to my my friends and family and every time I executed a transfer, the bank put my account on hold. I called and verified my identity as shown on the pop up message, they asked me to visit branch. I visited the branch and they verified my identity again, activated my account. During the next zelle payment, it went on hold again. Frustrated with the multiple bank visits to XXXX hold my account, I asked the cashier to withdraw my remaining balance. The bank put a hold on my account stating fraud because " I am trying to withdraw my own money ''. 
The questions asked by the analyst on the call : I would like to know the nature of your zelle transactions? 
Why did you create an account here? 
I wonder where the cash advance came from? 

In spite of providing bank statements and proof to the XXXX XXXX, my account is still on hold by fraud team and is being looked into. They are questioning my cash advance which was done after verifying my identity and debit card of XXXX bank. I am unable to withdraw my personal funds even after sufficient evidence is submitted and missed important payments due to this. The bank has been least helpful in resolving this and I am appalled by the unfair treatment and indicates discrimination. Kindly look into this and help me resolve this matter.

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 2016-01-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage states they paid our taxes in our escrow like it was set up, but they did not do so. The money was removed and never given to the tax office to pay our XXXX tax office. We have traced them back to taking the money and never writing a check through their tax office. We have a man named XXXX XXXX who told XXXX never received the funds to begin with and that is why it did n't get paid. These are our fall taxes!!! They continue to tell us they are going to handle our dispute since XXXX/XXXX/XXXX and as of today has again told us it would be resolved by XXXX/XXXX/XXXX. The office talks over us and we can not get a manager or supervisor due to the person always stating " we ca n't do that '' and when we want them to find the money with our parcel number they state " they ca n't do that for us becausewe are in a dispute. '' We would like to have the theft of our tax money from our eacrow resolved. We had our escrow put in the negative by {$4.00} immediately upon this company taking over our mortgage and them taking our house payment up {$50.00} after it switched from XXXX. We are having this company steal our money and refuse to right!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Every week for the past 3 weeks, Capital One has called me on my mobile phone asking to speak to my ex-boyfriend ( who I am no longer in contact with ) regarding a " business matter ''. The first time they called ( XXXX/XXXX/16 ), I explained that I did n't know how to contact him and I asked them to remove my number from their list. They said they got my mobile number from an online database, and they would remove me. The second week ( XXXX/XXXX/16 XXXX, I talked to a different rep from Capital One named XXXX. Again, I told them to remove me from their list and asked why I had n't been removed yet. She said she was a new person assigned to his case and did n't know I had asked to be removed. I told them it was illegal for them to call me more than once after I asked them to stop calling me. They assured me I would be removed from their list and they would n't call again. Today, XXXX, I received yet another call from Capital One looking for my ex-boyfriend, this time from XXXX. I explained that this was the third time I was being contacted, and that it was illegal for them to continue to contact me. The rep said she was just assigned to his case and did n't see any notes about me asking to be removed from the list. I asked to speak to her manager. I spoke to XXXX and explained the situation. She also did not see any notes about me asking to be removed from their database. I told her they were in violation of the Debt Collection Practices Act and that I would be reporting Capital one to the Consumer Financial Protection Bureau. She said she would remove me from the list. I got a direct phone number to the supervisor 's line to use if I received any more calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: Medical & Professional Collection Services, Inc. NC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
IM UNDER VA CARE, AND THEY SENT ME TO A OUTSIE DOCTOR AND THE VA DONT XXXX THE XXXX THEY SENT IT TO A COLLECTION ANGENCY.SO THE ANGGENCY GOT AHOLD OF ME AND I PAID THE BILL. AND I DISPUTED AND THEY DIDNT TAKE IT OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?

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 2022-11-14
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Sir/Madam : I contacted XXXX  and they advised me that my refund was already returned back to my account in the amount of {$150.00}. My questions is why is M & T Bank not posting these funds to my account, why are they holding these funds and when will they be available? I was given a bank reference number of XXXX Also, if they are holding these funds from XXXX then, I would like to know if M & T Bank is holding my check I am anticipating a from the Internal Revenue Service in the amount of {$2800.00}. I would like to know if, you have received these funds and when do you plan to make these funds available? 

i sent M & T Bank and email and I called on XX/XX/2022 at XXXX and my call was dropped. i called back on XX/XX/2022 at XXXX and the representative stated that she does not see a refund to my account.

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 2015-06-08
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
" DO NOT CLOSE THIS COMPLAINT '' I have contacted this office on numerous occasions regarding the issues with my mortgage company. Since XX/XX/2014, I have had nothing but issues with how things are handled. I reached out the VA office XXXX XXXX XXXX XXXX to assist me with the loan modification and getting things completed. After receiving the the XXXX package XXXX XXXX XXXX ) from Selene Finance I realize that the documents were expired ( probably the ones that should have been mailed out back in XXXX XXXX and the discrepancies with the information listed. I emailed XXXX XXXX the copies and she agreed that I should not sign them. She advised me that she was working closely with the VA Coordinator from Selene Finance. Shortly afterwards I received another loan modification ( XXXX XXXX ) ; which I returned to Selene Finance unsigned, with a note stating for the XXXX time that XXXX XXXX is no longer on the recorded on the deed of this property since I was advised by previous lender to remove him in order to do a deed in lieu ... if Selene Finance was really doing their job then they would know this already. Before sending the package I tried calling Selene Finance numerous times at the phone number listed on the documents only for the number to be busy each time. I do n't find them to have any concern for resolving my concerns. I thought with all of the incentives that mortgage companies receive for loan modifications I thought this would be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a series of financial misfortunes, my wife and I fell behind in our mortgage. In XX/XX/2013 Chase Bank held us in default and refused to accept further payments, and has since begun foreclosure proceedings. Since that time we have tried in good faith to negotiate with them. Today we were informed that our request for a loan modification was denied because our income was " adequate '' to meet the mortgage payments. This is just not the case - loan payments and taxes on the house equal about half of our monthly income, leaving us insufficient money to pay our other bills and feed our XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When checking my credit report, I found that XXXX said my mortgage account was closed when it was not. I filed a dispute and they corrected it, and now shows that account open, but now they have dropped my credit score XXXX points because of it. Even though I am paying it on time, and it was their mistake in the first place, I do n't understand why this adversely affected my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Hello Digit, LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a customer with Digit/HelloDigit, the savings application. On XX/XX/XXXX, I had a little over XXXX in my account ( between a couple of goals set ). This money was earmarked for a medical expense, for which a deposit must be paid by this Friday. On Saturday, I checked to ensure the money was there, and over XXXX of the funds were gone. I have attempted to contact Digit numerous times through email ( they do not have a customer service number ) and have heard nothing back. In addition, they did not reach out to me when this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card
Issue: APR or interest rate

Complaint:
I had opened a Chase Freedom credit card with Chase. I also had XXXX other accounts related to this company. On XXXX 2015 statement it clearly identifies that the 0 % promotion was still active and that it was going to be expiring in XX/XX/2015. That is all that it showed ; it did not give a specific date indicating the promotional expiration. 

I paid the card off in full by the due date and thought everything was ok ; I paid off the 0 % balance. 

Then in XX/XX/XXXX statement they charged me XXXX in interest charges. I tried contacting the company and XXXX " supervisors '' ( XXXX and XXXX ) refused to refund the interest charges. They then claimed that the promotion expired on XXXX/XXXX/2015 and that their interest charge was valid. If that were true ; why did the statement generated on XXXX/XXXX/2015 still indicate that there was still a promotion and still showed XX/XX/2015 as the expiration date?!?!?! 

Not only is all of this misleading I think this company is trying to take as much money from people as they can. This is the XXXX company that has ever done something like this and I do n't think I am the only person who they are doing this to. I pay off my credit cards every month and I also pay off my 0 % balances. 

As of today XXXX/XXXX/2015 I have closed ALL ACCOUNTS with Chase. Even a recently opened Amazon account. They lost a customer over XXXX interest charges ; that just tells me this company is working under false practices and does not care about their customers. 

I would like for this company to be investigated as much as possible. It is not right what they are doing. On a final note ; I know that cancelling the cards will affect my credit score .... but I am willing to take that hit and separate myself from a corrupt corporation. 

I will be uploading my XXXX and XXXX statements. Keep in mind when reading them that they indicated to me over the phone that the expiration was XXXX/XXXX/2015 ; but, nowhere does it state this on the statements. And in XXXX statement the notes in regards to the promotional balance are gone ; which if the expiration was truly XXXX/XXXX/2015 then it should have been removed from the statement generated XXXX/XXXX/2015 as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Selene financed submitted a letter dated XXXX/XXXX/XXXX concerning Case # XXXX on XXXX/XXXX/XXXX ( Validation of Debt Notice ). This letter was never delivered to me. We were not given the opportunity to dispute this debt since Selene DID NOT send it to us. If it had been sent, We would have definitely disputed the amount. We were current on our mortgage until XXXX, XXXX, when we fell on hard times. We were granted a Forbearance from XXXX XXXX through XXXX XXXX, which we satisfied, therefore, how can Selene say we are in default beginning XXXX XXXX? XXXX! Now XXXX entities are Dual Tracking - XXXX & Selene Financing. Selene is in talks with us concerning various modification options and XXXX continues to proceed with foreclosure. We were not given our Due Process because we were not informed. We have found many documents recorded in the XXXX XXXX 's office claiming XXXX mailed or delivered documents to us, were NOT mailed or delivered to us. We will continue to notify govt entities and make them aware of these unscrupulous acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This complaint is in regards to the XXXX XXXX XXXX Credit Card XXXX Goldman Sachs ). The promotional offer for {$1500.00} spend on Gas and receive a {$100.00} statement credit is false, or they are just refusing to pay out the promotion. After reaching my {$1500.00} spend in XXXX, I have still not received the published {$100.00} statement credit. I have called several times since and was given a tracking/ticket number, but for whatever reason -- they keep saying they need technical support and are unable to provide the promotional statement credit after 2 months. Secondarily, they also state that this credit was provided in reward points and not a statement credit ( which is not how it is published on website ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX / XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2019-02-16
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/XXXX it was reported in my credit report I dont have any services wth this company I called they said I have to call else where because they couldnt help me since I wasnt in there system.

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