BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One called me on XX/XX/2019 to tell me they suspected possible fraud on my Visa account because someone had requested a new card be sent to a NY address. I reside in Florida. They said they would close the account and issue me a new card. The new card never arrived. Sometime in XX/XX/2019 there were numerous cash advances on a new Capital One account made in XXXX and surrounding areas of XXXX. I informed Capital One these were fraudulent charges and also closed in writing my previous account number. I continued to get statements and informed Capital One in writing by certified mail on at least five occasions that this was fraud. They have basically stated their investigations and ignored my documentation. I have notified all three credit report agencies and also completed a fraud claim on the official goverment web site. Capital One continues to show this as a charge off on my credit reports. I have all supporting documentation and want Capital One held accountable for this negative reporting and credit harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}

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 2015-08-25
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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:
Fidelity Information Corp, on behalf of original creditor, " XXXX XXXX and XXXX XXXX XXXX, '' is attempting to collect a debt for which I was never contractually obligated. This debt, resulting from unpaid obligations to rental property management, should only be assigned to the contracted lessee, my father. At the time, I was a dependent of my father ; he was my sole source of housing and financial support, as I was an unemployed full-time college student. Although I was likely listed as an occupant on my father 's rental agreement, I never signed a lease, and never agreed to pay any portion of the rent. The collection agency, Fidelity Information Corporation, has been unable to provide me with adequate proof of this debt, and has been unable to prove that I was contractually obligated to repay this debt resulting from a contract that my father signed while I was listed as his dependent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Privacy

Complaint:
I have had an XXXX XXXX card for years used as a membership card for Costco. Costco switched to Citibank for their membership. Citibank opened an unsolicited credit card in my name and sent it to me. The instructions said to activate it to authorize it. I chose not to activate it. A month lateer I got a bill from Citibank for the renewal of Costco. ' In order to settle with Citibank, first they asked to verify my personal information. After that, they said they could not cancel the card. I would have to go to Costco, and that I owed Citibank for the fee. I finally annoyed Citibank through XXXX and they decided they could cancel the card after all and reverse the charges. I want to know who gave them the personal info, Social Security, DOB etc. I never authorized this to Citibank. I want to know what actions I can take against Citibank and whomever gave them my information. I tried to resolve this through Costco, but they never responded.

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 2020-04-08
Company: RoundPoint Mortgage Servicing LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the CARES Act signed into law recently, servicer 's of federally backed mortgages are required to allow a 180 day forbearance plan when requested by the borrower. No paperwork is required ( such as an assistance package ). You simply need to state that you are directly affected by the COVID-19 virus. In my case, my hours were reduced to 16 hours per week from 40 hours. 
Roundpoint is outright refusing to honor my request. At first they said they would only do 90 days. Then they said I had to fill out the full assistance package because I filed for bankruptcy chapter XXXX in XXXX of XXXX. It was discharged in XX/XX/2017. Roundpoint was included in the BK, but I kept the house and continued to make payments. 
There is no provision in the CARES Act that denies me the right to a 180 forbearance due to a chapter XXXX bankruptcy. 
I am requesting that they follow the law and grant me a 180 forbearance on my loan. In addition, I may ask for another 180 days under the law depending on my work situation.

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 2016-03-11
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices 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 2016-07-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX Opened my Student checking and savings account at Citibank, XXXX XXXX CA branch. 
The banker XXXX explained that the account is free, so I believed it was a free account. 

XXXX. XXXX Citibank started charging a monthly service fee without notice. I had a balance of {$300.00} in the checking accout. 

XXXX. XXXX I received a letter saying there 's not enough funds in my checking account and that I was being charged an overdraft fee of {$34.00}. Because my {$300.00} balance had been used to pay the monthly service fee and my account was now overdrawn. 

XXXX. XXXX XXXX I went to the Citibank XXXX XXXX branch and asked them to refund all monthly service fee ( {$12.00} times 16 months = {$190.00} ) and the overdraft fee ( {$34.00} ). After speaking with the branch manager, XXXX, she refused and said they would only refund for 3 months service fees. They explained that the account was not free and the banker opened a normal account instead of a student account which is free. 

XXXX. XXXX XXXX I contacted the Citibank customer service center and I tried to negotiate a refund of the service fees. The representative processed a refund for 1 month of service fees ( {$12.00} ) without my agreement. I asked them to cancel this refund because I did not agree with it but they said they ca n't. 

Summary : I was taken advantage of by the Citibank XXXX XXXX branch when opening my student account. There was no notification of me being charged fees and after asking them multiple times to refund my money they 've refused. I did n't use this account as I was told it was free, I only checked their e-statements the first few months.

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 2016-08-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
yes on our sears credit card.like too find out from collections if i can maybe cancel card.cant afford high monthly payments.way too high???? like too talk too collections first before i might close account. please have them call me XXXX XXXX XXXX its my moms account but i have power of attorney too

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 2020-04-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Related to XXXX, I like how Venmo worded and shifted things around in a way that conceals how few/some/many/all of its employees hid all the behind-the-scene activities, that include but limited to, stalking my account and causing annoyances. 

( Or maybe group up with random 3rd parties/others to come up with anything that they can use to damage or harm/injure me ). Though I'd love to use the same kind of standards against Venmo, I don't have other people who share the same enthusiasm to stalk Venmo or its employees to group up with. 

It's not something I did to cause these alerts, but these employees ' will to fish more random information that causes this " permanent closure. '' I don't recall that " XXXX '' existed for Venmo accounts. I did use two different bank accounts with Venmo, and all previous accounts were closed voluntarily on my own. I broke no agreement during that time. For 3rd bank account, because the Venmo representative only required the bank statement for accounts that were to be re-used, I was only able to use a debit card to activate it. I didn't try to re-use any previous bank accounts and that's why Venmo allowed the new account. 

It is also strange how Venmo suddenly put a freeze on my account, then require government ID then bank statements for ALL previous accounts. ( 1 ) It had enough ID to verify, even if this were truly an identification issue. ( 2 ) Requiring bank statements for all previous accounts contradict previous call on only requiring debit card for new account. 

This is exactly the reason I refused to give out any more information and I'm glad Venmo saved me from its employees be banning me from its platform. 

I'm " submitting '' this rebuttal to expose the hidden intent behind your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter?

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 2023-04-14
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX I was reviewing my Equifax consumer report information and I went through the reinvestigation results the results came back updated. Equifax stated If an item states l " Updated '', we have updated one or more fields on the item based on information received from the reporting company. Nothing on my Equifax report was changed nor was it updated. Pursuant to 15usc 1681a ( e ) the investigation must have the 3rd party to provide me neighbor, friend or associate of the consumer who knows information on this account. In order for an account to be verified a living person must be interviewed about the account. Specific factual information may not be included on my consumer credit record from the creditor which means the 3rd party creditor can not provide me their method of verification because they do not have one. Since they do not have one then I demand Equifax to remove US DEPT. OF EDUCATION/XXXX  from my consumer report for they are destroying my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: ERC
State: FL
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:
ENHANCED RECOVERY COMPANYXXXX XXXX, FL XXXXTel : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # ENHANCED RECOVERY COMPANY AAC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, SOC SEC # XXXX DOB XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My carecredit account was closed a few months ago without my knowledge. The card was paid off and i had never missed any payments. When I called synchrony bank they would not give me a reason as to why it was closed. I'm tryomg to build my credit score and by closing my account for no reason it is loeeri g my score by almost 100 points

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 2020-03-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently had been advised I needed to lift a credit freeze with Experian. I do not deal with that much ( do not have a full membership ), but when I tried to access their system, I was frozen out ... all attempts to confirm my user name or password were rejected even after I provided long-known and established with Experian personal information, including SSN, DOB, address, etc. When I tried to reach  their customer service, after AGAIN providing this information ( unchanged in over 20 years ), no matter what number I called, I only got into a loop of automated response choice. NO WAY to talk to a human. 

I even had a concern as one attempt to verify my user name came up with an incorrect phone number ... one I have never had. And EVERY attempt to have them preliminarily identify me using SSN and zip code and address resulted in " sorry, not enough information. When I then followed their advice to enter a previous credit report number, when I did so using 2 different ones, again, I got " nothing found ''.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.

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 non-monetary relief
Consumer complaint received 2020-04-08
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage received my Electronic Transfer last month on Thursday and did not Credit it till Tuesday. That is 6 extra days of Interest on the Principal. If the Service XXXX Loans a Month that is big Money. When I called they just said " it was not that much money ''.

This month the Transfer was a Friday and they applied again on Tuesday. Another 5 days Interest on the Principal.

Now this Month I sent them both the Master Policy ( Townhouse ) Binder and Individual Policy Binder and they still charged me {$200.00}. They do not answer their Phones nor does their Online Chat work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Kansas Counselors, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a guardian of the patient who used the medical facility. I do not and have never been in control of his finances. They turned the bill over to collections, then instead of the patient 's name on the bill for payment, they put my name on the bill requesting that I personally pay it. They asked, over the phone, if I had drove him to the hospital. I responded I did not and my name should have never been substituted on this bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief