BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i had a card with Capital One and just made my payments today. They promised to send me a new card as they deactivated mine as I thought it was lost and lost it in the house The old number is XXXX XXXX XXXX XXXX and it is current as I just paid my monthly payment of {$30.00} this morning but they keep sending my card to an old address of XXXX XXXX XXXX, XXXX XXXX, Florida. 

I asked them to change my address but they refused to do so. They send me bills to my current address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida but refuse to send me my new card. 

They say that XXXX  XXXX XXXX, XXXX XXXX, Florida is not the name on file but I changed it many times with them over the phone and they agreed to change it but now not willing to do so, so I will never get the new card. 

I just called Capital One today at XXXX XXXX XXXX but they are not willing to change the address. I just made a payment today. 

I have no card because I changed my address and they are not willing to change it but promised to do it. My social security number is XXXX. They read me a bunch of numbers of cards I never even ever had that I am unfamliar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it concern, I have sent 3 letters to the collection agency to show me a contract that i have with company, and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: NC
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:
I have never seen this inquiry before XXXX XXXX XXXX  XXXX , XXXX- Inquiry from XX/XX/2018. Please investigate to insure there is no fraudulent activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The phone bill was in my name for my deceased mother in law. I have contacted both AFNI and XXXX  to pay the {$200.00} because this collection is negatively affecting my credit. Ive wanted 2 months for someone to contact me back and no one has! I have had XXXX cooperation to try to take care of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo was advertising 2.66 % fixed APR refinance rate on the Internet through XXXX search. They asked very extensive questions about my credit history and property. I owe $ XXXX on a $ XXXX home ( 1st and small 2nd mortgage ). I wanted to consolidate and shorten my term. I currently have 3.25 %. My husband and I both have excellent credit ratings. XXXX! NEVER miss a payment. We have ZERO in credit card debt. Two minor car loans and mortgage. We have over $ XXXX in our retirement, accounts and $ XXXX in our bank accounts. Sound like the perfect couple to write a mortgage for? We are. 

So after I give all this personal info AND they run a credit check ( hurting my credit rating ), they came back with an offer of 3.2 %. Seriously? 

I asked if you can't give me that low rate exactly who gets it. hem, haw, hem, haw manager gets on phone and gives me a line of XXXX. I ask, how many loans did you and the rep I just spoke to personally make this week at 2.66 %? None. Well how about in the past month? None. So this is a bait and switch scam? Oh no no no. More BS. If you have a second mortage you didn't take out with the first, the rate is higher. Well that's absurd because the bank will not make a 2nd mortgage loan the day the first is written. They aren't allowed. So again, it means that no one gets that rate. Which was confirmed that the 2 people I talked to never gave that rate. So it's bull. If my husband and I, with our credit rating, savings, and track record, do not get this rate, no one does. 

Wells Fargo is a sleazy business. They should have been put out when they got caught cheating before. Do something. It's time for big money banks to be held accountable.

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 2016-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks.

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 2020-06-15
Company: Experian Information Solutions Inc.
State: CA
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:
Today XX/XX/2020 I was made aware of two accounts reflecting badly on my credit report. The accounts are from these companies XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. The reason these accounts were brought to my attention is because I applied for a XXXX XXXX  credit card and I was denied due to these accounts. Neither of these accounts belong to me and I did not allow anyone to open them in my name. I did not get anything as a result of these accounts being opened in my name without my permission such as money, goods, services or any other benefit and I never took part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with either of these companies and I never authorized them to run or access my credit information. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello! I hope that this message finds you doing well and staying healthy. In XXXX of 2020 someone in New Jersey had my credit run at a XXXX XXXX and opened an account. I found out about it because it showed up as a hard inquiry on my Equifax credit report. I contacted both Equifax as well as XXXX XXXX. Both companies have assured me that this case has been closed and I have emails that document this. However, this hard inquiry remains present on my Equifax report. Therefore, my complaint is that even though this account has been found fraudulent, it remains on my report making my score lower than it should be. Can someone here please remove it from my report? Thank you so much! 

Additionally ( and maybe this should be filed separately ) but I also notice discrepancies between my XXXX  and Equifax accounts that I would love to have resolved. This is also evident in the differences between my two credit scores. Perhaps I can tackle both the hard inquiry issue as well as the different accounts on both Equifax and XXXX  in one go!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill from Paypal Credit in XX/XX/2016 for {$110.00}. As I have not used Paypal for anything in over a year I called the phone number on the bill and asked what this bill was for. I was told I was calling their debt collection department and that the bill was for a purchase made at XXXX. I explained that this must be a mistake on their part because I do not go to XXXX and have not used my Paypal account for a really long time. They were unable to provide a phone number or a signature associated with this charge but offered to check to see if it was fraudulent charge. I received a letter a few days after that, saying the did not detect any fraud in this case. Again this month I received a bill from Paypal this time for additional charges of {$35.00} late fee and {$2.00} interest charge. I have looked up my account through the Paypal website because I was considering reporting the incident elsewhere, to see if I could find any information about the transaction myself. The website stated no transactions have been made to my account in over a year! I was unable to print a copy of this with the name of the website visible or I would have sent this in. Since Paypal continues to bill me for a charge a did not make, I would like some intervention by the CFPB in this matter. I am also sending copies of the bills and the letter I received from paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Alorica Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I want to pay off student loan. West Asset Management attached my wages. XXXX is responsible for loan according to IRS. Ca n't dispute Ca n't get a detail history stating all fees and charges add onto loan. Called XXXX in XXXX 2016 to request this information. As of XXXX 2016 no payments have been taken out of my pay and fees are being added. Do n't know who to make check out to or where to mail a check to completly pay off loan. Several diffent collection agencies have added fees onto this loan, but I do n't know how much. West Asset Management and XXXX collection servies. I just want to pay what I owe and be done with this. Who do I need to contact? How can I get the information I requested from XXXX and West Asset Management?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}

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 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is an update for complaint number XXXX-XXXX. I just got off the phone with Capital One 360 about an email I received yesterday stating my checking account had been restricted. I was told that due to my balance being negative they closed my account and my tax return that had been deposited earlier this morning will have to be sent to me via check through the mail. I spoke to them a week ago on Friday, XX/XX/XXXX and was told my account would not be restricted until at the very earliest the XXXX and if I got my tax refund or my stimulus return before the XXXX I would be fine. Once again they did not uphold their promise.and/or gave false information. Because of this I am going to lose my residence, lose my only source of income because I can not get to my money for several days if not weeks, and my college degree because I will have no internet access. I do not have an address they can send the check to nor am I going to walk the streets with almost 2 grand in my pocket nor am I going to pay ridiculous prices and fees for a prepaid card. I do not have access to a phone so I can not open a new account with them and the local banks are closed and require money to open a new account and I can not do that because I do not have access to my money due to Capital One 's continuing negligence and dishonesty. I have asked for a copy of their policy and the terms of my contract regarding this issue and they have refused. Nowhere in their terms and conditionsdoes it say they will restrict your account within x amount of days of having a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On an XXXX flight, the stewardess passed out pamphlets for an XXXX credit card. I took the application and asked about an annual fee. She said there was no annual fee the first year. The first time I used the card they billed me a {$59.00} annual fee. I called " Bank Of America '' and explained I was told the first year the fee was to be waived. Bank of America said they were " sorry for the misunderstanding '' but the fee stays.

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 2017-08-22
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I made a payment to Citibank in the amount of {$400.00} on XX/XX/XXXX through my bank. Citi is claiming they did not receive {$400.00} instead they are claiming they received {$74.00} on XX/XX/XXXX, which I did not make. I contacted my bank and they confirmed that a payment of {$400.00} was sent to Citi and a payment of {$74.00} was never made. I spoke to 7 different representatives at Citi each telling me that I did not make the {$400.00} payment. Each time they said they could not help me and transferred me to someone new only to be hung up on and placed and left on hold. No one seems to want to help me resolve this. I cant even go online to get a copy of my statement or history so I can ensure that I am being charged correctly. I received a letter stating my account is delinquent but I ca n't get any one to help me resolve this to put my account back in good standing. I do n't want to make any payments to them if they are not recording them correctly.

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 2021-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with Experian and they refuse to correct the reporting.

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 2020-04-15
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.

Company response to consumer: Closed with explanation