BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XX/XX/XXXX when shopping at Macy 's my purchase was charged to the account number XXXX. I have never received a card with this account number, this is not my account. My Macy 's credit account is XXXX, which I pay online, promptly, always. 
On XX/XX/XXXX I began receiving Macy 's Account Statements and phone calls regarding Act # XXXX being past due. I responded by calling the customer service # XXXX to get my original charge applied to my Act # XXXX, have the past due charge removed, and have my name removed from this Act # XXXX that is not mine. I refused to make a phone payment as when I had done so in the past the phone payment was not applied to my Act # XXXX. 
On XXXX, XXXX I received a letter from the Citi Card, for Department Store Nat'l Bank collections recovery. I called and submitted a written explanation of the circumstances regarding Act # XXXX, only to receive another letter from the Citi Card, for Department Store Nat'l Bank collections recovery XX/XX/XXXX and again XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX regarding Act # XXXX and began a series of call and correspondence with them. On XXXX/XXXX/XXXX I paid the undisputed amount of {$410.00} through XXXX. On XXXX/XXXX/XXXX Macy 's recalled the dispute and I have continue phone and correspondance every 2 - 4 weeks with the response from them always being it will take 15 days, 30 days, or 60 days for them to review the dispute.

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 2020-03-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am on XXXX XXXX orders with the XXXX XXXX. On XXXX XXXX, I booked a hotel through Chase Rewards Travel, itinerary XXXX, for XXXX ( {$150.00} ), for my significant other to attend my XXXX graduation at XXXX XXXX  XXXX, XXXX ( XXXX ), on XXXX XXXX. On XXXX XXXX, I learned that all travel to or from XXXX was prohibited by my commanding officer, which will prevent me or my significant other from using the hotel reservation. The commanding officer 's letter is attached. I would like to cancel my reservation. Unfortunately, I have attempted to contact Chase travel more than a dozen times between XXXX XXXX, always unsuccessfully. I have never reached a person before the automated system hung up on me. I have called and XXXX   Chase support, but have been told there is no recourse besides contacting travel -- which, again, I have been unable to do. I have paid for annual travel protections with Chase, but Chase is not honoring my payment for these protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I open My Student Account with US Bank as I'm XXXX-XXXX   Student at XXXX XXXX College in the City Of XXXX. Today Saturday XX/XX/XXXX I'm In Receiving a Letter dated XX/XX/XXXX stating that the financial Institution is closing my account effective XX/XX/XXXX Which means 4 days from the today when I had received the letter. I went into the branch on XXXX in the City of XXXX and spoke to the Teller " XXXX '' which she stated that the normal protocol of the bank is 30 days from the date the customer received the notification. I Had to Maintain a Good ethical relationship with the bank for the past 4 years and I'm XXXX Years old senior XXXX  citizen and I'm confused of their motive.

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 2022-04-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022, XXXX XXXX - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from XXXX XXXX do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Byrider Franchising, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
That 's not me I never had all those accounts

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XX/XX/2021 at XXXX I received an email from Capital One stating that they have chose to close both my checking and saving accounts due to not following guidelines. Prior to this incident I reported several times the use of fraudulent activity from foreign countries to the bank, locked my debit card and reissued a new one with the bank and was told that the bank will investigate on my behalf. The bank has failed to protect me on several occasions where my account has been hacked, including countries like XXXX and XXXX where they had access to hundreds of dollars from my account before I noticed. 

the bank itself failed to one contact me when noticing fraudulent activity, which when opening my account many years ago they said they will do and two, they failed to protect me as a customer, I am now out of the country with no access to my funds. No access to any of my accounts due to this on going problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: OH
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:
THIS IS NOT A DUPLICATE!!!! THIS IS NOT A DUPLICATE!!!! It is a failure of the company to accurately follow the law and report correctly!!!     I even spoke with them over the phone on  XXXX   XXXX  and they assured me it would corrected immediately. My most recent credit report still shows late payments and inaccurate information.     I again am requesting Experian follow the law and fix my  XXXX   XXXX  Account.     They did fix parts of the entry but they again did not follow federal law. The  XXXX  the balance and closed the account but the status is inaccurate. Federal law states that it should say the following.     The account status should read : Included in Chapter  XXXX .     The information about charged off should not be on the 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 non-monetary relief
Consumer complaint received 2015-08-27
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My son, was staying with me temporarily after his XXXX. He was also in a XXXX doing very well, ( I thought ). A couple of times I let him use my debit card, I was ill, but I always changed the pin # afterwards. But this time he found my new pin # and card and used the ATM to access approx {$570.00} from different atms, in increments of {$60.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus overdraft charges. Some more overdrafts charges since I have typed this complaint. If i have not made a deposit by a certain date, I am charged a extended overdraft charge. I just keep getting in more and more debt. My record with firstmerit has always been good to excellent. I recently paid of {$3500.00}, owing 1stmerit {$20000.00} of this amt. I paid the off in 5 years, which I could have just filed bankrupcy, never late in payments. Firstmerit have made mistakes on my mortage payments. 
paying home insurance to XXXX different cos for a year. Could have used that money ( XXXX ) they did pay me back. I have all my bills automatic debited. I have been trying to call them all to not submit the payments now. As of now my acct is over {$1000.00} in deficit and keeps going up and up. 
Right now my son is no longer with me. He 's staying at homeless shelter. I try to remember hes has a sickness. I do know that I have a hard time remembering pin numbers and afer I received a new pin # I misplaced within 24 hours. The customer serv said I do not have to have pin # inorder to use the card. Thats what I intend to do, not use a pin #, much safer. Now, I cant say for sure that I misplaced Pin # or he found it. I have decided to not use a pin # at all. I know I do forget my pin # or misplace it. 
Thanks for your help. I dont get another chk until XXXX/XXXX/15. The overdrafts will take up all ( XXXX ) deposit. More overdrafts charges. 
I 'm retired on a fixed income. 
Thanks good bye

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: AmeriCollect
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: Problem with personal statement of dispute

Complaint:
The account referred to the collection after the payment arrangement agreement. Monthly payments paid as agreed {$35.00} monthly. The collection agency stated that XXXX XXXX said the agreement had a final payment date if not paid in full by that date report to the collection company. I made payments monthly as with Americollect but the representative stated that with the date they had to report it to all the credit report companies which as effective my score by XXXX points. I have all exceptional on my report and now this referral has hurt my perfect scores. I paid the account off in full with Americollect this morning XX/XX/2021 and another account that was recently added to Americollect without even been notified so I paid that account off as well in full. I want this removed from the collection agencies and my score reinstated. XXXX XXXX should be investigated on how the Fair Debt Law applies to consumers/ customers especially sick patients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a credit card on XX/XX/XXXX and was declined. I received a email notice that the letter explaining why the card was declined was available through a secure link. After logging in to view the letter, it only brought up a letter from XX/XX/XXXX. This was the XXXX time this incident happened. I called to find out why I could not see the letter, only to be told they did not know. I was told I would receive a letter in the mail and have not received it. I applied again on XX/XX/XXXX and was declined and receive the same email again with the secure link on XXXX XXXX, only again to only show an old decline letter from XX/XX/XXXX. I verified my address and was told a letter would be mailed. I have not received any decline letters for the last XXXX attempts starting in XXXX. I would like to know why I am decline so I what I need to do to better my credit status, but Capital One refuses to send me a decline letter via mail, and the onle secure portal does not show my letter. The supervisors only tell me that they will send out the letter again. I need help. Someone please help me get the decline letters from Capital one so I can know why I am declined. The Application or Reference number to the XXXX application is XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-11-13
Company: EQUIFAX, INC.
State: FL
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:
Dear XXXX/XXXX/ Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Lima One Capital, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I closed on a hard money loan with Lima One Capital for around $ XXXX. I was told they were charging me 10.5 % with 2.5 % in points. The closing date was the first time I saw the HUD statement. I believe the law states I should see it three days before closing. When I saw the document at closing, I could not determine what rates I was receiving and it would have been difficult to back out of the deal at this time. They ended up charging me 11.5 % interest and 3.5 % in points. This resulted in approximately {$3500.00} additional dollars I paid to them over about 10 months. I brought this issue to the attention to my sales rep and he denied there was an issue at first. Then I showed him the emails of the rates he promised me, and he admitted that a mistake was made. In fact, the underwriter did not include a $ XXXX wholesaler charge which made the loan appear to be less than $ XXXX and qualify for these higher rates. In fact, it was over $ XXXX and I should have been given the rates that were given to me over email. I have tried filing a XXXX complaint and talked to the company directly, and their attitude is very unhelfpul. It's a shame because I wouldn't mind doing business w/ them again, but it's difficult when they act this way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Some one opened up a account with Capital One in my name. I have been getting bills in the mail. I have seen the bills but there are no charges except for yearly charges and past due charges. I never applied for this card and I do not want to get stuck with these charges I am afraid that who ever opened this account up will run up a billView your statement online. 


Visit Capital One Sign in to your account Check out your XXXX 2015 statementView your statement online About your account ending in XXXX XXXX XXXX, The XXXX 2015 statement for your Capital One ( R ) credit card is ready -- just sign in to view your statement online. 


Statement balance : $ XXXXMinimum payment : $ XXXXPayment due date : XX/XX/2015by XXXX ET You can view your transaction details online, manage your account, or make a payment. 

Thanks for choosing Capital One. 


View transactionsMake a payment There is a basic version of this statement notification email available. If you want to switch notification versions, sign in to your account and select Security Alerts. 

Did you know? We need up-to-date income information to consider you for future credit line increases. Update your income now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: CCS Financial Services, Inc.
State: OK
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:
My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX IS BEING REPORTED WITH {$7800.00} BALANCE. XXXX. XXXX, XXXX. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY STATEMENT CLOSE DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT BALANCE TO {$0000.00} 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 2021-03-12
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed and called XXXX and XXXX  and also mailed Capio Partners LLC about their violations of me and my credit report. They have committed the following FDCPA Violations HIPPA Law Authorization : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Furthermore, they did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I also requested 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) The Agreement that grants you authority to collect on this alleged debt.

4 ) A copy of your state license, including license number that give you rights to collect in my state.

5 ) Please provide a copy of my signature with the provider of service to release my medical information to you.

6 ) Please provide a breakdown of fees including any and all collection costs and medical charges.

Their lack response, they have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Notified them as to the fraudulent activity on my account and requested to be refunded for the charge 's of XXXX that I didn't do. Bluebird was informed and has document of my calls. I was unable to utilize my online banking or use the card associated with my account. I kept calling and I was told I will be credited the charge 's. How it is now 4 months later and I am still being denied my fund 's and each time I call they're acting like it's my first time and run me in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i just see a debt on my credit report thru ars from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation