BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a business card with Capital One and have a problem. On XX/XX/XXXX my account access was locked. I contacted Capital One and they not only did not resolve the problem but they permanently locked the account with no explanation or cause. The account is in good standing, never late and is over five years old. I recontacted Capital One on XX/XX/XXXX and they refuse to resolve the issue or even let me know what is the problem so I simply made a payment. Here is the issue ; 1. Capital One refuses to provide any statements, 2. Capital One refuses to provide interest paid forXX/XX/XXXX which is needed for tax reporting 3. Capital One refuses to provide any statements going forward in XX/XX/XXXX 4. Capital One refuses to provide any person, escalation path or information regarding the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: FIRST ADVANTAGE CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I had worked for XXXX XXXX as a XXXX  for 16 years. No wite ups no discipline with state board. I had left my XXXX for XXXX  XXXX at home. I was working 12 hour shift. A state mandat, which i had folled many times, all XXXX  follow to dispense an emergency supply of a med to a customer. XXXX had no way to bill it as a purchase, no set measure. They terminated me after a tech i told i was getting the emergnecy supply to reported me to the ethics line. I feel they discimnated against my condition, a protected XXXX. XXXX reported it to XXXX and i was listed as a thief nationwide on Esteem, effectively blacklisting me from the retail sector, the only area I had worked in. I soon discovered i was the only XXXX on this. This is not proper to do. The board decides discipline. Not a database. I never got any due process and nothing was even reported to the board. I have evidence this is not for XXXX. Removing me from the database isnt sufficinet when it caused me to loose my credibility and nearly XXXX XXXX dollars. Numerous attorneys are baffled by this. I was not even allowed a hearing, a grievance ... XXXX served me with cease and desist papers and ive been arrested for questioning the issue. I went from XXXX job to going to foodbanks, food stamps, and not much else as far as help. Three XXXX degrees and cant get hired thru the online process..Ive lost part of my XXXX from financial issues, beenarrested several times becuase i couldnt afford insurance, had to sell the house i grew up in and ive had XXXX XXXX  attempts. Is there no one that can help with this matter? Im supposed to loose it all and die a pauper over following a state mandate?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I initiated contact with a website called XXXX  regarding a puppy under the name of XXXX. They soon sent me a message from text from the phone number listed on the website, but also sent me a detailed email about the puppy. I was charged {$650.00} for the puppy and an additional {$150.00} for the air shipping. I initially sent {$500.00} through the application called Zelle on Friday the XXXX, then sent {$300.00} on Saturday the XXXX, since my daily limit was {$500.00} per day. On the XXXX I received another email from a so called XXXX XXXX from XXXX XXXX ways. They gave me a website to track my puppy as well. They soon said to proceed with the delivery they required me to buy a thermal crate of {$1800.00} and was promised a refund at delivery. However, they then all stopped responding. I was able to trace the photos I was sent by the breeders from other websites. I have phone numbers, screenshots of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. 

XXXX XXXX XXXX XXXX is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE 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 2017-09-07
Company: EQUIFAX, INC.
State: FL
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:
Equifax has failed to remove a state tax lien incorrectly reporting on my credit bureau after repeated phone calls and online disputes through their website. The item that is being reported in error is : XXXX County Recorder Docket or ID # XXXX, State Tax Lien. Per the rules set forth by the National Consumer Assistance Program, no lien may be reported on a consumer credit file unless it contains the following information : Complete Name, Address, Complete Social Security Number and/or Date of Birth.
I have attached the item for review and it clearly shows only a partial Social Security Number with the first 5 digits being redacted and therefore does not meet the minimum requirements to continue to appear on my credit report. XXXX and XXXX have removed this item from their bureaus and Equifax should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$500.00} XXXX  XXXX {$6400.00} XXXX XXXX {$340.00} XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$3000.00} XXXX XXXX {$400.00} XXXX  XXXX {$12000.00}

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 2019-12-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. XXXX XXXX XXXX XXXX is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
According to the agreement signed with Terms Code 0913, Citi Bank N.A. has been obligated to respect the right of customers when dissatisfied with the credit card purchases. To use this right, only three terms must have been true. It is noted that if all of the three criteria are met and the customer is still dissatisfied with the purchase can address the XXXX XXXX XXXX to investigate. It is also noted that XXXX XXXX XXXX has been obligated to disclose the result of their investigations in a limited period of time to the customer. 
In my case, I presented my dissatisfaction with my purchases from Best Buy while respecting all of those three criteria to the XXXX XXXX XXXX and requested for the investigation needed. The XXXX XXXX XXXX refused to exert the required investigation. They wrongfully referred me to the lapse of time when a customer has found a mistake on his/her monthly statement that has nothing to do with the dissatisfaction of the purchases done. 
XXXX XXXX XXXX has been trying to give me knowingly false information. They prevaricated and avoided doing something that they should do. 
Due to the breach of contract from the XXXX XXXX XXXX side, I have suffered a lot of emotional distresses and their conduct has been detrimental to me for tone of dollars that must be compensated in addition to the specific performance that Best Buy company has to perform.

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 2020-06-12
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
hello. I would like to make a claim about the charges on my account of penfed on my savings account that no proceed for use the ATM machines when you did not have available machines for the clients, it is there a total amount of {$54.00} on charges on use the ATM machine fees of {$2.00} on each transaction plus {$1.00} ATM fees. And they started with {$1.00} then changed to {$1.00} if i choose to not verify balance they uodate the account statements and add the {$1.00} pls {$2.00} on each transactions, The dates and transactiosn are the following:XXXX charges of XXXX plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, on XXXX charges {$2.00} plus {$1.00}, on XXXX charges of {$1.00} pls {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$1.00} plus {$2.00}, on XXXXcharges  of {$2.00} plus {$1.00}, on XXXX charges of {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00} on XXXXcharges of {$1.00} on ATM fees. there are {$54.00} on atm fees charges. Please refund the money that you charge on my account those charges do not proceed. They PENFED are accesing in the account and ajsting and adding more fees beacse revise the transaction deposit that i received for aids for pandemic covid19 disaster. Equally they performed the same thing on the credit card addin {$30.00} on my balances when I am online, I called and the lady pretend to close my credit cards without y authorization and request, and they denied me a consolidation of credit cards balance to pay a debt of {$11000.00} like having a {$30000.00} loan at 4.25 % and I'm not having that debt I only have {$11000.00} and making payments of {$220.00}, they did not want to provide me any aids after the disaster. 

please let me know. 
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 2019-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to XXXX  & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.

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 2015-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo has recently began charging fees to our bank savings and checking accounts, and changing the rules of our bank accounts without foundation or notification. We have contacted the Wells Fargo Bank by telephone and in person several times, and we have tried to correct the situation and have the fees reversed. Some fees have been reverse others have not. And those that are reversed, are later in the following monthly cycle charged again. We contact the bank, and we do what the bank representatives recommend to eliminate the service fees, but the bank sets new rules and charges fees under new rules. The Wells Fargo bank is constantly changing our accounts ' rules and charging fees we did not have to pay priorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC is reporting a FRAUDGLENT colletion account on my credit reports! Ive reached out to them and requested proof this account is mine and sent in supportting documents proving this account there reporting is indeed fraud. As to date i have not gotten any response. They have not sent me anything via mail,phone calls or even tryed collecting this debt untill recently. They just recently reported it to my credit reports! Ive called and tryed speaking to someone who was less then helpfull. Ive sent supportting docments to the address provided by one of there agents i spoke to. The address given was XXXX XXXX XXXX XXXX SC XXXX. I have overwhelimg documents to prove 100% this is a fraud account!  The following is what is showing on my credit reports

LVNV FUNDING LLC
Original creditor: XXXX
Account number XXXX
Collection opened XX/XX/2019
Account type Factoring Company
Balance Loan Amount
$XXXX $XXXX

Payment Info

Original loan amount $XXXX  

Balance $XXXX
Updated on XX/XX/2019
Contact
XXXX XXXX XXXX
XXXX, SCXXXX
(XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Apparently I applied for credit through Wayfair, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called Comenity Bank/Wayfair reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was an incident at the apartment complex. 

The complex fined several tenants and attempted to evict me Ive went to court because reported fees were incorrect, Ive paid them and they havent removed themselves from my credit reports

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 2017-02-20
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX day I was at a mortgage office to get help with a new home loan and after pulling my credit the loan officer said it was n't feasible to give me a loan because I had a judgment on my credit. I stated I have no knowledge of this. It has been reporting on my credit since 2011. I have once heard this before when I was buying a car but did n't pay any mind to this. So I know for sure now this has affected me and will keep affecting me I do n't look into this. I decided to do my research and contacted the law firm handling this judgment and after confirming some information for them such ad date of birth and social security it came back it was n't me who owns this judgment. They clearly stated they will send me a letting to clear me from this matter. I received the letter and it does state the persons name on it which is clearly not mind. How can I get this taken care of and go back 6 years of misery from this mistake? 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/2015 I applied for a mortgage loan and was informed by the creditor that I had an outstanding $ XXXX balance with XXXX XXXX. Upon some research, I looked at all three bureaus and noticed only Transunion was reporting the past due balance. The other XXXX bureaus, reported it correctly as " XXXX balance settled in full. '' On XXXX/XXXX/2015 I filed an initial dispute with Transunion using file # XXXX. I received notification in writing from Transunion on XXXX XXXX indicating they had updated my report. I reviewed their changes and noted that they did not resolve the issue, and continued to report a past due balance, but instead of it being $ XXXX, it was $ XXXX. I re-filed a dispute with transunion on XXXX XXXX, 2015 and received a response on XXXX/XXXX/2015 with an updated investigation that still showed the issue to be present. To summarize, the past due balance being reported on the XXXX account # XXXX is incorrect, I do not owe XXXX any money. The account was settled in full via a short-sale done on the collateral property. The continued reporting of a past due balance is incorrect. I have asked Transunion to conduct an adequate investigation and they have fallen short. I have contacted XXXX and have been unable to do so, I have documented and spent XXXX hours on hold, being shuffled around to different departments and being advised " the next department is the correct one '' based on the contact information being provided to XXXX by Transunion. I also wrote a letter to XXXX and have not received any response in over 60 days now. If I ca n't get a hold of XXXX to clear this up, how is Transunion verifying this alleged information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested Transunion to investigate a credit inquiry for XXXXbank dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXXbank. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 2020-06-20
Company: Westlake Services, LLC
State: VA
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've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through WESTGATE FINANCIAL SERVICES I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.

Company response to consumer: Closed with explanation