BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX address : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ohio XXXX Dear Consumer Protection Agency/Federal Trade XXXX XXXX. 
Please do something about credit card companies bleeding consumers like me and God knows who else dry?

Heres the issue. 
Below is a copy of my bill whereas it shows that capital one is constantly waiting on me to make a payment on time then after I make my payment on time, Capital one takes and bills me interest whereas it is purposely automatically overcharging my credit card acct. to make it look like I the consumer has ran my credit card over the limit when in true fact I have not ran my credit card over the limit. 
I have continuously been paying on my credit cards to purposely keep from my credit cards going over the limit. Its the credit card company overdrawing my credit card not me! Now when I was able to make high payment credit card steady payments, I saw no interest. However, in these hard trying times of inflation, gas prices and food cost up like crazy. I am asking your agency to contact capital One to make this illegally act of interest that capital one is doing STOP! 
Capital one in no way is trying to help its consumers just bankrupt them with unnecessary applying unfair interest on credit card acct. that are up in balances to where you the consumer can not get your credit card balances down and or paid off. I am asking your agency to at least contact Capital One asking that credit card interest be waved for 90 days which grant the consumer time to get credit card payments down if not down PAID OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage loan was with rounpoint mortgage servicing corporation, which was fully paid by refinance with XXXX XXXX XXXX XXXX on XX/XX/2022. 
Roundpoint mortgage bank has debited {$2300.00} for installment for XXXX 2022. which account ( loan number XXXX ) has been fully paid and closed. 

since last three months i am try to contact the Roundpoint bank they comes direct answering machine, they track my cell number and SS number it is directly goes to answering machine. i have send emial to XXXX on XXXX XXXX 2022 and XXXX XX/XX/ 2022, my loan has been fully paid in XX/XX/2022 they are holding my money {$2300.00}, and worse part is nobody come on phone not reply email. please help me get my money back.

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 2015-10-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: AZ
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}

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 2022-05-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Three fraudulent charges of {$780.00} each were made for digital purchases from Best Buy and put on my Citibank Visa credit card. I did not make these purchases! I have been working with many phone calls and letters to both Best Buy and Citibank about these purchases that were made in XX/XX/XXXX and I am getting no help from either company. I have paid the credit card for the purchases because they said they can not get a refund from Best Buy. Best Buy has stated that because they were gift cards purchased digitally and already been used that they could not refund my credit card the money. It is so obvious that these are fraudulent when you look at the information they sent out. My disputes were filed with both Best Buy and Citibank in XX/XX/XXXX. During all this time, Citibank credited my account and then reversed, therefore debiting my account, on three different occasions. The case ID number with Best Buy is XXXX. I have never in my life been sent from one company to the other, both saying not their problem! Now I am asking for your help. I have a second outstanding complaint and dispute with Citibank and Best Buy which involves a debit and a credit. Best Buy tried to credit a purchase amount to clear it out but they shorted me by {$100.00}. I have not been able to get this handled either and have also paid Citibank for this amount! 
Thanks 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 2022-05-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The XXXX took {$50000.00} of my money across multiple credit cards in 2019, didnt deliver the product or service and have been leading me on for nearly 3 years to resolve it producing false promises to pay me back. The card companies will not help me saying it is out of their allowed time frame but Ive been trying to fight it for nearly 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose

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 2020-09-27
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
- We opened a home equity loan with TCF in XXXX. 
- We have never missed an on time payment. 
- TCF has been taking the monthly payment of {$630.00} automatically out of my account for years. 
- TCF cancelled that automatic monthly payment with the XX/XX/XXXX payment due without my knowledge or consent, causing TCF to default. 
- We've received a recent loan statement with an amount due of {$7400.00} XX/XX/XXXX. 
- There is no basis for this bill. 
- I've repeatedly tried to contact TCF at the phone number provided of XXXX. 
- You are left on hold for more than an hour. I've tried multiple times to get through. 
- This loan has been in place since XXXX, the initial amount approximately {$86000.00}. 
- After 13 years, the outstanding principle is showing {$81000.00}. 
- We've made {$94000.00} of payments on time, never a late payment. 
- This amount doesn't include the additional {$32.00} insurance that we've paid for the 156 months as well. 
- In this 13 years, only approximately {$5000.00} has been applied toward the principle. 
- Now we are seeing on this loan statement that the maturity date of the loan is XX/XX/XXXX. 
- We are seniors. The length of this loan is ludicrous ; 41 years. We wouldn't even be alive that long to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Names : XXXX, XXXX XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2011 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A judgement on my credit was satisfied XX/XX/XXXX. I have faxed the court record proving this to XXXX and Equifax. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Diversified Recovery Bureau LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2022 I started receiving calls to my cell from a XXXX number which is not my area code so I did not answer thinking it was spam, also I was at work. It called 3 more times, again I did not answer. At XXXX p.m. someone near my desk answered and a female asked for me when the person who answered said he is not available this woman started to demand I be put on the phone and they better get me now. A bit later that number came across my direct work line and I did not answer it. Then it called my employers main office and demand they put me on the phone. The receptionist said all I can do is take a message. The person said she was XXXX XXXX at XXXX ext. XXXX from Diversified Recovery Bureau , LLC. I came home to numerous calls from the XXXX number being on my home phone. This is all after my attorney gave them a notice. I now have a meeting at my job tomorrow about the incoming calls that happened at my job today. I needed to make this complaint because if something happens to my livelihood I will need this complaint to take further actions towards the individual and the company. This was pure harassment. And there needs to be action taken against this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Navient Solutions, LLC.
State: IN
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:
The Indiana Department of Revenue contacted me recently, claiming that I may owe back taxes from 2011. However, I was a resident of another state that year, and paid my taxes there in full and on time. I wrote back with a letter attesting to this fact, with my state tax return attached. Although I responded before the indicated deadline, my response has been mostly ignored. Instead, I received XXXX subsequent letters within about a month, demanding payment as part of a tax amnesty program by XXXX XXXX. Otherwise, I was warned that I would be subject to double penalties, civil, and criminal liabilities. Subsequent calls to the Indiana DOR after each letter acknowledged the receipt of my original response. However, it has gone unread to date, and thus failed to affect these collection efforts. 

I recently learned that XXXX letters like the ones I received were sent out to innocent people. Indiana 's government contracted with Navient Corporation, and agreed to pay them based on how much money they bring in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: MO
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:
I'm looking at some late payments on Experian from four different accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are several accounts with XXXX. The late payments should not be showing for these accounts. 15USC 1981 Section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 also states a consumer reported agency can't furnish an account without a written instruction. 15USC 1666B states a creditor may not treat a payment under late. The united states code Law 15 U.S. Code 1666b. Timing of payments- A creditor may not treat a payment on a credit account under an open end consumer credit plan a s late for any purpose.

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 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I surrendered my property as part of bankruptcy in XX/XX/XXXX. I was discharged in XX/XX/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.

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 2017-02-21
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I paid of my student loan account in the amount of XXXX on XX/XX/XXXX as part of my home refinance. A check was cut from our title company for this amount on XX/XX/2016. On XX/XX/XXXX, I checked in with the title company and they reported to me that the check had cleared their account and had been paid to Fed Loan Servicing. My online account with Fedloan Servicing still reflected a full XXXX balance remaining. I called FedLoan servicing to see if they could see a pending payment to my account to pay it in full. They checked my account and all pending payments as well as an additional accounts for payments received that are not associated with an account number and they were unable to locate the nearly {$50000.00} I paid to them. Because of this, I was left with no choice but to believe that Fedloan had mis-directed this money and a stop payment was issued and a new " urgent '' payment issued that same day, to prevent me from losing this money. The next day the money posted to my account. But then was removed due to the stop payment. It then took Fed Loan servicing 10 days to post the second payment to my account. In the meantime due to this mishandling of this account on the part of fedloan servicing interest in the amount of {$320.00} was allowed to accrue on the account. I attempted to resolve this issue and asked for a refund of this amount through the BBB but they responded that despite their error, I am responsible for all interest that accrues on my account until the balance is paid in full, which it would have been in XXXX of XXXX if they had appropriately handled the money and not withdrawn it from my title company 's bank without posting it to my account. In addition, the people that I have had the misfortune of dealing with at Fedloan servicing have been universally condescending, unhelpful and trite in their response to any inquiry I have made and most certainly in response to this complaint. This company is criminal and unprofessional and should not be allowed to service student loans. Or students should be given the option to move their debt to a more reliable and honest lender and not forced to deal with this unethical criminal company. If you have any ability to help me I would request that the interest allowed to accrue on my account between XX/XX/XXXX and XX/XX/XXXX be refunded. If not, I would request that my complaint be made public as a cautionary tale to other borrowers.

Company response to consumer: Closed with explanation