BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( XXXX and Equifax ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. XXXX released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. XXXX DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. Equifax released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. Equifax then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with Equifax there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I noticed my business debit card did n't work on or about XXXX/XXXX/2016. I had several XXXX dollars available or so I thought. I informed the bank on XXXX/XXXX/2016 of approximately {$9200.00} of fraudulent purchases that I did n't make between the dates of XXXX/XXXX/2016 and XXXX/XXXX/2016 per my statement dates. The bank is consistently denying my fraud claim due to questionable items outside the 60 day period. Please read my detailed statement and other documents attached. My account is overdrawn by almost {$2000.00} and I 'm getting threatening letters that indicate my checking account for closure and collection actions will be taken. There are several bounced checks due to the fraudulent purchases.

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 2017-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was sent a cashier 's check for {$1900.00} on XXXX XXXX, 2015. I deposited it in my bank account and the funds were in my available balance the next day. The check obviously cleared in the bank since the entire funds were made available to me. However, on the XXXX of XXXX. I called the bank to find out why my account was withdrawn and was told that the check for {$1900.00} was fraudulent and was being sent back. I was also told that it was my fault for not waiting for the bank to clear the check and make sure that the check was good. I was also told that the reason the bank made the funds available to me was because I have been a long time customer and have never had problems like this before. I trust that when the bank makes funds available to me that they are really available to me. I have completely lost my trust in US Bank. I am now over {$700.00} withdrawn in my bank account and I was told I am responsible for paying this money back. This is wrong on many levels and I feel I should be refunded this money because this the bank made the funds available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.

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 2017-02-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you

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 2016-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
i was out in XXXX my card was used fraud, the cc company rebilled everything and said my claim was denied. There was merchandise that was delivered to largo fl i never lived there and its proof these are fraud the investigator failed to investigaor and violated my rights under the FCBA

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 2016-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. 
I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! 
They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every XXXX Friday ) and the way Kohls is applying the payment. For example : The due date is the XXXX. If my bank sent payment on the XXXX one month, it is properly applied to the XXXX of the following month. 
But if my bank sends 4 weeks later on the XXXX, it does not get applied to the following month. The next month 's payment goes out 4 wks later on the XXXX, and then they say it is late and charge a {$35.00} late fee- even though this payment is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a credit card from capital one and was approved for a credit limit of XXXX dollars under the pretense and not realizing i had entered my drivers license number as my social security number which is still an identifiable form of identification and submitted supporting documents to prove i am myself the company refused to give me the line of credit because they did not want to change the information as requested when it was presented and in other factors its curious because they stated that if they reported to the credit reporting agencies they would not be able to associate me to my credit profile however when their own credit monitoring service showed my credit profile it shows a card linked to myself as an authorized user on a card through XXXX i seek to have this case thoroughly investigated and the company to uphold to the original approval

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. 
There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
Hi my name is XXXX XXXX I had a Capital One credit card that I had paid in full and had a XXXX balance for months. I moved from my apartment back into my house and never recieved a credit statement from capital one. I sent in a change of address to Capital One I never recieved a annual fee bill that was for XXXX dollars. Because the bill wqs unbeknown to me I didnt pay it.. Capital One reported me to the credit company as a 90 day delinquit for XXXX dollars whn my bill wqs paid in full.. my credit score dropped XXXX points, I paid off the bill and closed the account.. I need help getting this off my credit report as my score is suffering. I pay all of my bills on time every month. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My XXXX year-old son is receiving several pre-qualified Capital One Credit Cards ( XXXX so far ) by mail ... I spoke with XXXX at XXXX about this situation and he stated he is unable to put a red flag or an alert that his SS # is for a minor child. I want someone to help me protect my child SS # by red flagging everything that comes up his information!!!!! 
Sincerely XXXX XXXX VERY concerned mother of minor child!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Other

Complaint:
I have a Capital One security card that I 've had for almost a year it has reported to my hard inquiries but it has never reported to my actual credit score or accounts through any of the credit bureaus. I have filed XXXX dispute through Capital One and they 've done everything on their part. The credit card is basically nonexistent on my credit accounts through all the credit bureau 's. This is affecting my credit score and my life and it 's been going on for way too long. What is my next step to get this on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
We represent a XXXX senior of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. The creditor has continued to send monthly statements and demand letters to our client at his home address. By continuing to communicate with our client directly rather than through us and after receiving his request for no further communication, the creditor is violating Section 805 ( a ) ( 2 ) and Section 805 ( c ) of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I filed a complaint reference # XXXX. I received a response that the inquiry was satisfied in 2008. Not SATISFIED!! I was not offered any documents supporting the evidence of this TRANSACTION. I have the ORIGINAL CD in my possession. I have contacted the representative XXXX XXXX directly at ( XXXX ) XXXX. I have received no response. I contacted BB & T before the initial complaint was filed in person at my local bank, then by phone at the XXXX office with NO RESPONSE at ALL. The documents supporting this TRANSACTION I would LIKE to have sent to me VIA emal and mail ASAP. I am attaching THE REAL AND ORIGINAL COPY OF THE CD that I am seeking for my funds due to ME ....

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 2016-03-31
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have a loan through Seterus Mortgage Company. We are getting ready to sell our house. I called them up to get a payoff amount sent to our title agency. The first person I talked to said they would send the fax now. I thought that meant that they would send the fax now. When I talked to my title agency later in the day they said they had not received the fax. I called Seterus back and it was then that they informed me that they would not be able to send the fax for at least XXXX3 business days and possibly up to 10 days at the latest! So now our closing will have to be delayed for an uncertain amount of days until they can get the fax done. To me, this is the definition of the word ineptitude and irresponsiblity. I was told I could n't get a rush on the payment info unless I got a court order to make that happen. Their inability to clearly state that they would need XXXX3 days to make this happen also shows a lack of coherent communication skills, something this industry needs desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our real estate company filed a counter offer on a HAFA short sale on XX/XX/2016. They called back to confirm the counter offer was received, here is the timeline of calls to SPS : XX/XX/XXXX sent update offer {$310000.00} XX/XX/XXXX New offer in review. sale date postponed XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX SPS states counter offer LOST NOT IN REVIEW! 
The real estate company confirmed SPS had the XXXX short sale counter offer on XX/XX/2016 which helped postpone a sale date. And then XXXX weeks later SPS lost my XXXX short sale. My major concern is because SPS has refused to stop the sale date of XX/XX/2016. So for the past XXXX weeks while I ca n't sleep at night because I have a sale date hanging over my head, SPS has been doing nothing to help me avoid a foreclosure or receive a HAFA short sale. I am furious! This is complete fraud, and/or dysfunction! And I am the one who may pay for the SPS incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing bought our mortgage loan while we were in bankruptcy when the bankruptcy stop taking payments because it was time to be discharged we contacted SPS to make our mortgage payment, we were told that we did not have a payment due and they could not accept payments until they received discharge papers we informed them that out bankruptcy lawyer told us to contact them to start payments they 've outdoor not take a payment so we asked for proof that nothing was owed so they began sending statements stating this is not an attempt to collect a debt with no amount being owed and told us to use that for our records we called twice monthly from XX/XX/XXXX to XX/XX/XXXX still given the same answer and XX/XX/XXXX we received a call and a statement from SPS stating we were 5 months behind and would go into foreclosure unless it was paid or they could help us do a modification. We told them we would find someone to refinance and a few days later itvwas added to our credit report hindering us from a refinance. We contacted them on several occassions with complaints and was told that we could have contacted them and made payments but they could not contact us we informed them that we did contact them on several occasions to make a payment and was denied. We asked if the negative items could be removed from our credit report because it was false and we have been told that there would be an investigation but nothing has changed and we keep getting the run around. There practice is unjust and unfair. They have XXXX complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: PNC Bank N.A.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
I filled out a application for Capital One on XXXX XXXX for Capital One they pulled my credit and then contacted me and said I needed to fill out another application that they did not have my social security number so I reapplied and another credit report was pulled. XXXX has already fixed the problem. XXXX and XXXX need to remove XXXX of the hard pulls each like XXXX did. It was Capital One Fault that this occurred. The records will show this. XXXX is on the reports according to XXXX. 
Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief