BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XX/XX/XXXXthat Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet Capital One continues to charge a high monthly interest rate on both charge card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
My husband injured himself and needed to interrupt our trip overseas. We came home early in order to get proper medical care. We put in a request with Citibank Mastercard Benefits Program several months ago, and were assigned a case number of XXXX. We were told our claim would be handled by the XXXX 
We provided doctor 's notes, trip itinerary change information, and other expenses. No one ever got back to us. I called several times and ws told I needed to provide a physician 's note, which they already had. 
Now they claim that they only provide trip interruption insurance if the person was unable to TRAVEL ( even to fly back to place of origin. ) My husband was able to fly home, but not able to continue the trip. That is what I deem trip INTERRUPTION. I believe the wording in their Benefits Brochure is deliberately obscure. How can one INTERRUPT a trip and still stay overseas? They then would have claimed that our trip was not interrupted or cancelled. 
[ If a person got sick on a boat and was evacuated home, he was able to travel for medical care, but not continue his trip. Would he be denied INTERRUPTION insurance? How could he have both stayed on the cruise, and not stayed on the cruise at the same time!?! ] I would like them to honor the intent that any reasonable person would believe- trip INTERRUPTION means a trip that was interrupted due to a medical inability to continue that trip.

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 2021-07-30
Company: HomeLight, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on our home on XX/XX/2021 with EAVE, dba Homelight Home Loans. They subsequently sold our loan to XXXX XXXX approximately one month later. 

On XX/XX/2021 EAVE, dba Homelight Home Loans pulled an unauthorized credit report on my wife and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: MI
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:
Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XXXX XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XXXX  XXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XXXX XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet XXXX XXXX continues to charge a high monthly interest rate on both charge card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding had posted a debt under a different name, I had it challenged and DELETED from all XXXX Credit reporting agencies, now they re-filed it under XXXX to try and get this debt again! This is illegal practice and a complete violation of my rights under the FCRA. I want these posts removed immediately. This company is on every ripoff report ruining people 's good names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CORELOGIC INC
State: MI
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:
There several inquiries on my credit report that shouldnt be there. On inquiries on XXXX, Credco- XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XX/XX/2021, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, Credco XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX 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 2021-07-30
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I believe XXXX XXXX XXXX billing department better known as University Accounting Agency, attempted to report Double Jeopardy Tradelines and a bogus claim to the Credit Bureau, namely XXXX, on my credit report. I have disputed the information reported from XXXX XXXX several times and still the matter has not been updated or resolved. 

*XXXX  reported 150 days late in XX/XX/XXXX. However there is no 30, 60, or 120 days late reporting prior to the XX/XX/XXXX. 
*XXXX proceeded to report a 180 day late and then a Charge Off on the account in XX/XX/XXXX. 
*XXXX continued to report a Charge Off in XXXX and XXXX of XXXX. 
*However, all of a sudden, XXXX begins to report OK on my credit report from XXXX XXXX XXXX 
*Then in XX/XX/XXXX XXXX reported 180 days late on my report through XX/XX/XXXX. 
*XXXX  then turns around and report OK on my credit report XXXX & XX/XX/XXXX *Lastly, in XX/XX/XXXX AGAIN reported 180 days late. 

I would like XXXX bogus and misleading practices investigated. I am requesting that XXXX XXXX either delete the account from my Credit Report ( s ) or delete the fraudulent reporting after XX/XX/XXXX because the account had been Charged Off XXXX and should not have continued with it's to untrue reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please remove the following from my credit file as it does not belong to me : MIDLAND FUNDING LLC # XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX for Collection : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open AccountLoan Type : FACTORING COMPANY ACCOUNTBalance : $ XXXX Updated : XXXX Amount : $ XXXX Creditor : XXXX XXXX XXXX Due : & gt ; {$1000.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am looking at our loan agreement. 

There is no penalty for early payoff. There is also nothing that said there were closing costs in the loan. When we called and wanted to make sure that we could cancel the autopayment they told us that there was a closing fee. 

This was never disclosed. 

We made a payment of {$42000.00} on XX/XX/2021 before the Loan started. 
We then made a second payment of {$130.00} on XX/XX/2021, of which XXXX cents was refunded to us. 

I would would like a credit for {$130.00} for the deceptive closing fee that was not disclosed to us at the time of signing. 

There is no line item for the closing fee just what was told to us over the phone. What i see is some weird additional principal for {$27.00} and interest of {$0.00} a fee of {$100.00}. Again that fee was never disclosed to us. Additionally there is no way that we can have principal on a loan that we paid off on XX/XX/2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.

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 2021-07-30
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A townhome had been rented from " XXXX XXXX '' by myself and XXXX other parties. After move out, we had assumed everything had gone smoothly, until 6 months later a collections company sent us a letter requesting repayment for carpet replacement. The " XXXX XXXX '' never contacted us at our new addresses concerning carpet problems. We filed a an official dispute with the FMS Financial Solutions per the letter and corresponding attachments, because both the claim that the carpet was damaged, and the value for which we were being billed was incorrect. Due to the legally binding documents signed by both parties ( Attached ). In fact, they had attempted to bill was for several XXXX dollars over the cost of the carpet replacement ( invoice attached ), against both the signed document and Maryland Law. The value was corrected, and although they still claimed damage to the carpet, we paid to be done with the matter, however now it appeared on my credit, which should never have happened given the aforementioned and attached communications, which verifies that the original debt claimed for collection was billed incorrectly, and against the both Maryland Law, and the signed document between us as tenants, and XXXX XXXX as the landlord.

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 2021-07-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did not receive my overage escrow check in the amount of {$900.00} that you said you sent XXXX on XX/XX/XXXX. I sold that property at that address in XX/XX/2019. I have not lived there for two years!. I have repeatedly provided my current address to PHH mortgage. Why are you not acknowledging my current address! My current address is attached. PHH mortgage look at the attachment that is my current address. Overnight my escrow check to my current address. This is my 4th complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX XXXX University from XXXX - XXXX for an XXXX degree. During that period, I was working full-time and had to essentially complete classes late at night on my pace. It is important to note that XXXX XXXX was working toward their accreditation and was in " pending status '' during this period. Consequently, XXXX changed their name to XXXX XXXX University and altered their curriculum requirements when the accreditation was not approved. Shortly afterward, the school closed and left no transcript records or resources to obtain any from a repository. I contacted XXXX XXXX at the time to see if they had received complaints from other students with outstanding loans paid to XXXX XXXX. They refused to answer and informed me that the debt would not be forgiven irregardless of the fact that federal student loans are indeed forgiven on those grounds. My father was the principle guarantor on the loan and was paying it on time. He passed away and we were informed that the debt would be discarded with the furnishing of a death certificate. Again, this was not the case as after I sent a certificate, I was informed that I was named as a the responsible party now. During this time which reached through XXXX, no payments were made. XXXX XXXX charged the debt off and sold it to XXXX ( which Navient refers to as " their '' resolutions team ) which is utter deception because Interstate is a cut throat debt collector that is NOT a part of Navient. All I want in this is the opportunity to either A ) Be forgiven of the {$4300.00} debt due to the school closing and no access to my body of work, or B ) To have my account placed back with Navient or XXXX XXXX in good standing so I can resume payments and not have it decimate my credit as it has done during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I've been disputing these account for the pass 6 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 2021-07-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I placed a transfer/withdrawal requested for approx XXXX ETH ( XXXX USD ) from Coinbase Pro on XX/XX/XXXX at XXXX XXXX. 

The transfer has been in a status of " Pending '' ever since and has not been executed or canceled. 

I contacted Coinbase for resolution XX/XX/XXXX via their " contact me '' page but have only been addressed by automated responses. I replied with the requested information ( including details of the transaction & screenshots ) and still have not been contacted by a customer service rep. I requested this issue be escalated but have not been contacted. 

a total of 7 emails has been exchanged and Coinbase has not attempted to resolve the issue. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: HSBC NORTH AMERICA 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was banking with Bank of America a few months ago and I lost all of my banking information. I have all of my banking information written down so that I wo n't forget it. It was the last week of XXXX and the last transaction I made with my card was on Monday XXXX, XXXX. I did n't know that I lost my information until that Wednesday XXXX, XXXX. When I was unable to log into my mobile app I contacted the bank and I was told that my atm was reported lost. I know that I did n't report my card lost because I did n't realize it was lost until the day I contacted the bank. As the weeks progressed I started to receive documents from Bank of America of bogus checks that someone tried to deposit into my account. Once again I know that I did n't authorize these transactions and also my signature was forged onto the checks. I tried to file a claim with the Bank and I informed them that I lost all of my information, and my claim was denied because whoever used my information did it through the mobile app, so it looks as though I self compromised my account which I did not. Due to this incident I am having an extremely hard time opening up a new bank account due to some else using my information. I really would like to get this resolved or removed somehow because as I 've stated previously I was not aware that I lost my information until I was unable to log into my mobile app and I started received all these different documents and things to my house.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To Whom It May Concern, I was looking at my credit score on XX/XX/XXXX I noticed a few things that were never authorized by me. I believe these to be fraud as I never signed anything or authorized anyone to pull my credit report on the following date of XXXX XXXX XXXX. 

Here are the companies that are giving me hard inquiry even thou I have no idea who they are and what there talking about. Any help In removed this Inaccurate information would be great. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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