BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Cash advance fee

Complaint:
On XXXX XXXX, 2015 I went to a Capitol One Bank in XXXX to withdraw cash on my credit card while waiting for my PIN number to be mailed to me. I withdrew {$50.00} in cash. The next day, I discovered that I was charged a {$10.00} Cash Advance Fee.. 
The card number is : XXXXThis was originally an ING Direct account. As you know ING Direct was forced to sell their American holdings to Capital One a couple of years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX  about account ( XXXX ) which states that I owe them {$6600.00} however the account is clearly fraudulent seeing how they had none of my correct information such as the correct address, my phone number or my email address.

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: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 a pending transaction came through my account in the amount of {$700.00} which put me in a negative status. So while this transaction was pending at XXXX XXXX XXXX XXXX, 2016 a deposit came through which put my account to a positive balance. So the {$700.00} transaction posted on XXXX XXXX, 2016 which still left me with a positive balance. But they charge me a NSF fee, but I still had a positive balance but I was also confused. So I called the bank to see why I was charged a NSF fee when the deposit came in before the {$700.00} transaction posted. They said that it was because I did n't have the money in my account at the time that it pending transaction posted. Again I was confused and I thought that this was unfair because my deposit came through before the {$700.00} transaction posted. So I 'm really not sure what to do at this point. Now I have to pay the bank {$36.00} and then pay my rent office {$130.00} that I do not have. The way they have my transaction posted now is not how they had it on XXXX XXXX, 2016. I also called the bank on XXXX XXXX, 2016 and I asked them about the {$36.00} fee because the {$700.00} transaction had already posted. He kept saying that because of the way my transaction came through that 's why I was charged a {$36.00} fee. Again I still did n't understand.I explained to The bank that what I see they should see. But they said that 's not how it works although we see that everything 's all right on the account that is not how they see it on their end. I do n't think that 's fair at all because it seems like that 's how they make their money by charging fees when clearly it was n't necessary. When I spoke to someone on XXXX XXXX they said that my account was OK and that the {$700.00} ACH debit transaction was paid. So that means on XXXX XXXX, 2016 everything was fine except for the {$36.00} fee. But then I wake up on XXXX XXXX, 2016 and I see something totally different on my account. They 've already return the check to the my rent office and now I have to pay all these extra fees. This really upsets me and I do n't want to do business with someone who makes their money by charging fees.. So from this day forward I will be gathering up all my information so that I can change banks immediately. The whole process should take about a month but it 's got to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2019-12-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was notified another lender that these are not categorized as 'educational ' and thus highly penalized, such that they would not extend credit based upon them being classifying as general unsecured installment loans. All advertising states that these are student loan refinances and states '1 The terms of this loan may differ from terms of your current loan ( s ). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. ' I asked that the 3 loans be correctly categorized as 'educational ' / 'Student Loans ' as opposed to 'OTHER LOANS '.

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 2017-09-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
ive been trying to buy the car for the last couple months. Nobody has called me back. XXXX from Chase auto finance called me never give me a direct number never call me for an update. I wan na buy the car if its not through Chase I will go through a credit union for my job. But nobody has communicated with me at all. I want to buy the car. Theyre not communicating with me at all they called me and nothing in response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to a dealership in XXXX Texas and bought a new F 250 I was approved for Ford Motor Credit if 5.45 interest rate after I signed legal documents and I left the finance manager printed out new copies and send them to Ford Motor Credit with my signature that she forged@5.99. this all took place on XXXX XXXX of 2015 the dealer admitted to fault my first payment was due on XXXX XXXX I file a complaint with Ford Motor Credit on XXXX XXXX of 2015 I was told that it would not go on my credit as long as the company was at fault the company was at fault speaking about the dealer. I file a complaint with Ford Motor Credit fraud department and was told that it would not hit my credit and it did it took over XXXX points off of my XXXX XXXX off of XXXX because they had reported it as 60 days late in the state of Texas my up. ed that if the contract they had was fraud then the contract was invalid I did not have to make a payment all of this has come out to be true the Ford Motor Credit did removing off of my credit but they have not gotten in touch with the bureaus to get my score back up. I have filed it on the XXXX & with the DMV of the state of Texas to investigate the dealer for the fraudulent ways. there is an ongoing police investigation with XXXX XXXX Police Department CID. I feel that the dealer has done this to other people and the bank is not doing anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,  XXXX  we moved in this apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX , TX.  XXXX  and moved out to  XXXX , TX. on  XXXX / XXXX / XXXX , we paid everything that they required under the leasing contract, we had a walk-thru with th e Property Manager   XXXX   XXXX  and delivered her the apartment in top structural and sanitation condition, we signed a release form with her and moved out, to our surprise, abo ut 3-4 months later we got a letter from her stating that we had a balance of {$120.00} due to carpet damage, cleaning of tub and hangers ; we delivered the apartment in a very good condition, the carpet was shampooed and no tear or spots on it, the tub and hangers were totally clean and disinfected by us . We think that since we were selling some items to avoid transporting and braking them, we had offered her our new TV set for a price that she did not want to pay and she was hoping that we were going to let her have it for peanuts. We did not sell it for such a low price and decided to bring it with us, so she got upset and later started this false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Convergent Outsourcing on or around XX/XX/XXXX that was dated XX/XX/2020 stating that they were representing XXXX in the amount of {$3100.00}. The letter stated that I had 30 days after receiving the letter to notify them that I was disputing the debt. I wrote to them at the P.O. Box that they listed in the letter, disputing the debt and requesting validation of the debt on XX/XX/2020 via certified mail. According the USPS, the letter was available for pickup for them at XXXX XXXX  on XX/XX/2020. To date, I have not received any additional correspondence from Convergent Outsourcing. Today, I was notified that Convergent Outsourcing has reported this debt to all three credit bureaus, but neglected to provide me with validation of the debt. They state on their website that they do not own the debt and are not always provided with itemized statements. They go on to say that they will request the information on your behalf from the original creditor and will mail that information to you when they receive it. I assumed that they were still in the process of requesting the information and was quite surprise to learn that they have reported the debt to the credit bureaus without providing the validation of the debt.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to 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 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
on XX/XX/2022, I was out of town in XXXX Texas and I open my bank account and noticed that over {$1500.00} from my account was stolen. I filed a complaint and dispute with Bank of America fraud department and they did not offer to refund me even a partial amount of that money. I am a college student who works full-time still trying to make up for that money that I had lost. I was out of town with my bank account and the negatives with no access to any type of funds available stranded out of town for three days. Bank of America refuse to refund me despite this having nothing to do with me or at my fault. Someone had hacked into my debit card and stole my money

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 2017-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I am filing this claim against Capital One credit card. I was told they will no longer bill me a annual fee and my credit limit would be XXXX. My credit limit has not charged for an entire year. I am pretty upset by this. I used this card all the time and can not get the company to do what they promise to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After incurring an unwarranted fee, I attempted to close my checking account. I requested that my remaining funds be distributed as {$150.00} in cash and the remainder in a check. I signed for {$150.00} and was handed a cashier 's check for what I thought was the remainder, which I was charged a {$10.00} fee for. Later in that week I was sent an overdraft notice, saying that I was {$150.00} overdrafted. I attempted to determine how this could be online, but BOA had canceled my online account which prevented me from accessing my financial records to verify. When I went to the bank, after waiting for 30 minutes I was informed that the {$10.00} fee was made in error, further the banker acknowledged that through the teller 's negligence that the bank had overpaid me, causing the overdraft. I have no desire to spend even more of my valuable time to settle the account - as I view the {$10.00} fee in conjunction with the facially deficient closing of the account, along with the extended wait time, to be retaliatory to me closing the account. Further, when I went in to settle the matter and expressed interest in contacting the CFPB to settle the matter, the bank manager strongly suggested that I settle the account because " it could go into collection '' or be bad for me down the line - he said I was free to file the complaint but continuously pressed for me to settle the account to avoid future negative outcomes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
Company: AES/PHEAA
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
FEDLOAN {$2500.00} XXXX. I have reached out to FEDLOAN in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) CONTACT, LOAN OWNER We have sent 5 Requests for Information, since XX/XX/XXXX, to SN Servicing asking for name, address, and telephone number of who owns your loan. They deny us a contact name, and have provided three different address in Texas, Arizona and Delaware, no contact person. 


2 ) COVID-19 FORBEARANCE Our loan falls under federal protections, but SN Servicing Ms. XXXX XXXX XXXX has denied extending our Covid-19 forbearance, despite fact that our mortgage falls under XXXX XXXX XXXX agreement with XXXX XXXX, so they are violating the PSA agreement associated with our mortgage. 

3 ) FPI - SN Servicing Ms. XXXX XXXX imposed Forced Place Insurance last year, and never advised us? they sent notice to a wrong address, with court advised them was wrong address. 

4 ) LOAN MOD ESCROW - Our loan mod contract clearly states, and it was confirmed at settlement conference by SN Servicing attorney that we pay escrow for property taxes to SN Servicing and they pay taxes. They are escrowing taxes, we are paying them, but they are not paying them to authorities. Several lawyers and the court mediator confirmed this, but SN Servicing is collecting property taxes form us, but not paying them to authorities. 

Our investor/ loan owner is obligated to provide federal protections for Covid 19 forbearance due to their PSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an XXXX  card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was approved for a Capital One Quicksilver Rewards Card. The cards came in the mail so Icalled to activate it. The lady on the other end said I had a bad connection but continued our conversation. I was on a landline so a bad connection was not likely as I use this phone daily and I could hear her perfectly. She asked could she call me back at another number. So I gave her my cell and she called back in about 20 seconds. Into the conversation and after several questons that she could not pronounce well enough for me to understand she tells me that she ca n't activate my cards because she is not talking to me on the number listed on my account, but she is the one that called me. She tells me I have to send in documentation to prove who I was. I called back on Monday morning and talked to a supervisor and she told me the same thing about sending in documentation. I had the supervisor close the account. I understand their fraud protection guidlines, but they went above and beyond to treat me like a criminal. The strange thing is she trusted me enough from the information I gave her to close the account but, not activate it. I do n't appreciate it and would like for others to be wary of Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: MD
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 credit was affected tremendously because of identity theft. Someone opened XXXX money market accounts with XXXX by using my SSN. The same person filed for unemployment and almost made me lose my job. I contacted the IRS and still have yet to receive any information about fixing my credit. Because of those fraud errors, it has affected my way of living tremendously. I would love for it to be removed off my report. If someone could help me with that it would be awesome. There has also been credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My access to my account with Coinbase , Inc. was made un-accessible via the Internet.  When I tried to re-establish the connection, I was told to establish a " temporary '' account, and submit a picture id ( drivers license ). After some difficulty, I did as advised, but I still have been unable to get access to my account. Coinbase will not accept telephone calls nor will they call the consumer. I have been trying, to no avail, to access my account and Coinbase will not respond to my requests for assistance in re-establishing my connection to my account. 

I have made an initial contact with the XXXX XXXX XXXX Attorney, and they advised that my first step is through your office. 

Apparently, I am not the only person with this similar compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. '' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation