BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquires on my report are not mine Never gave any consent reporting inaccurate and I have no accounts open with them Needs to be removed immediately do to the fair reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
As per reviewing my credit report, I noticed numerous XXXX 5 XXXX Capital One Bank items for review. As I browsed through them, I noticed ( 1 ) report that is wrong and never existed. The account details show opened date XX/XX/XXXX closed date XX/XX/XXXX. As I further reviewed Capital One Bank items for review I noticed a total of ( 4 ) closed accounts which is also wrong. I then opened my online services on Capital One Bank to review my accounts with Capital One to make sure there are no errors on that as well. I noticed a card recently added to my account XXXX one I did not apply for XXXX ending in card # XXXX. I called Capital One Bank to go over these accounts today XX/XX/XXXX. They are unable to give me any information on the cards located on my credit report and told me to call the BBB if I need to. I mentioned the card I unauthorized on Capital One Bank online services, the customer representative began telling me they bought this card over from XXXX XXXX which I never had a HSBC credit card, nor have I ever applied for one ). She stated " this is not Capital Ones fault '' and that " I can dispute it with BBB '' once again and to hold for another service rep to further " assist '' me. I have had a total of ( 3 ) cards in lifetime with Capital One. ( 1 ) that I closed ending in XXXX because of an annual absurd fee ; ( 2 ) that remain open ending in XXXX and XXXX all with a zero balance. I have never authorized to open any other cards and neither do I have this problem with any other bank I have ever dealt with ( XXXX, XXXX XXXX, XXXX, XXXX, Etc ... I have other bank cards ) They are a fraud and my identity is being passed between banks and cards are being opened and closed without my consent or me actually applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have a business checking account at Bank of the West in XXXX. Every check I deposit That can be considered " large deposit '' which is more than {$5500.00} they hold it for longer than XXXX days. At present I have a check I deposited on XX/XX/XXXX and I was told by the bank it would be released to me on XX/XX/XXXX. 
1 ). Every single check I deposit over {$5000.00} is held longer than 7 days 2 ). No check coming into my account has every not been payable.

3 ). The holds cause my checks to bounce.

4 ). The checks are from the same companies month after month yet holds are always placed on my checks.

5 ). in violation of federal law I do not receive any notification of the hold or when it will be removed until a week later by mail or I have to call the companies customer service.

6 ). Bank of the West refuse to verify the funds so they can be release in violateion of Regulation CC which requires banks to release funds XXXX hours after the banks have verified the check is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Hi, I have used Equifax complete premier plan for 7 years. According to their customer service rep, the {$9.00} is a " special '' price can only be good for 12 months. So I have to call every 12 months and ask them to honor this " special '' price for 12 more months. I noticed XX/XX/XXXX and XX/XX/2016 they were charging me {$19.00} on my credit card, I called Equifax to dispute and was told they would give me {$16.00} credit and would extend the special price for another 12 months. However, XX/XX/XXXX they charged me twice - {$19.00} again AND {$9.00}. I called Equifax again and spoke to XXXX ( cancellation dept ) and his supervisor XXXX, they both gave me the run around and said {$16.00} was actually a credit for XX/XX/XXXX, which is different from what the previous agent said. They basically refused to refund the {$19.00} they double charged me XX/XX/XXXX. To me that is bait and switch and dishonest practice. I am just shocked that a reputable company such as Equifax would hire inexperienced and unprofessional folks to handle customer service and disrespect their loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am upset with Capital One and all other credit cards that promote a % return on what is spent on the card. These customers are not saving but rather running up their credit card debt. The % return only really lowers the high credit card interest rate by a miniscule amount. People do not understand this obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : Lvnv Funding LLc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I submitted a application for the Making Home Affordable Plan. Wells fargo sent a letter dated XX/XX/XXXX requested a the Benefit letter and social security award letter for my husband and my latest two paystubs XXXX and tax returns for any contributing non -borrower. On XX/XX/XXXX, I received a letter from Wells Fargo which listed 16 requested items received by Wells Fargo and 6 missing items. On XX/XX/XXXX I received a Denial Letter for Wells Fargo Proprietary Step Program a program which I did not apply for. The Denial letter list only one program that I was reviewed for and did not offer any details of the evaluation process or what was used in terms of qualifying us the interest rate used or if the amortization method used. I feel that Wells Fargo did not want to review for the Making Home Affordable Program for which I applied.

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 2016-10-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Late fee

Complaint:
Amazon Chase Visa. Missed XX/XX/XXXX bill cycle $ XXXX payment by 1 day. Note I did pay over $ XXXX - total bill was $ XXXX. ~ {$130.00} finance charge. I accept. 

XX/XX/XXXX billing cycle, paid in full. {$180.00} finance charge. 

Contact Chase who explain when card not paid in full interest accrues on every purchase until two billing cycles paid on time. Refused to refund the finance charge. 

This means missing a $ XXXX payment by one day will likely cost me {$500.00} in finance charges. 

The notion that burying something like this in a T & Cs is unethical behavior. Consumers do n't have another credit or debit line typically to shift expense when this happens. And the credit card company does not provide notice they are taking this action when it occurs. 

Request is seeking penalties against the credit card industry for such practices, demanding a disclosure similar to a mortgage that makes clear their intended bad behavior if they want to continue such practices, and a refund for consumers impacted by this type of usury. 

For me, this is not a significant loss. But clearly this is an industry practice rooted solely in greed. As a customer for years of this particular credit card I am deeply angered by the treatment I received and that this is done in such a nonchalant fashion. The impact to lower earners must be profound where this type of agreement is really structured like some sort of bear trap waiting to be triggered. 

Given the bad behavior of the finance industry, and the mandate of the CFPB to protect consumers from such behavior, I hope the CFPB will take upon themselves to make this a wide ranging look at the practice. And do something to make it transparent or end it altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2015-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Chase accused me of fraud and closed my accounts in 2013. They settled the amount they say I owe with the IRS, who taxed me and counted it as income since it was a debt forgiven. However, it is reported with XXXX and they show no proof of my " fraud. '' I 'm now paying the IRS taxes on money they claim was my fraud and have still yet to prove it. I did not commit fraud and I have filed reports with XXXX and the FBI over the account activity they are blaming me for but it was not me and they have no proof. Therefore, they can not and should not be allowed to label me as fraud to XXXX and block my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Washington Mutual held my mortgage when they went under my mortgage was lost for 11 months whenever i tried calling we got no answer and they were not cashing my checks .my home went into foreclosure, my home was up for auction and there was nothing that i could do. on the twelfth month we recieved a package in the mail it was a new mortgage company XXXX mortgage and i had a 30 year new mortgage with about XXXX-XXXX thousand dollars in fees. i did n't understand what the hell was going on i tried to call different people and they brushed me off by saying at least u still have your home.i built my home XX/XX/XXXX and would have been done XX/XX/XXXX if this tragedy would not have happened to me. i often wonder how many others were affected by this. but i lost about 15 years on my XXXX mortgage, all of my equity. it was a terrible time for me i went through a XXXX XXXX. i still go through a lot of things when i think about my house would be paid off XX/XX/XXXX if everything would have went the way t was suppose to, i met a mortgage broker and she advised me to contact CFPB. i really hope there is something that can be done, i do n't know but it is worth a try so iam trying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
On XX/XX/XXXX we sent notice to alleged lender, SunTrust Bank, requesting validation on this XXXX. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted SunTrust Bank as a result, and it was only then that we received a response from SunTrust Bank, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

SunTrust Bank is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of 1977 ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, SunTrust Bank, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.

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 2015-04-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I AM RECIEVING PHONE CALLS AND EMAILS ABOUT ME OWING A DEBT AND WHICH I DISCOVERED THAT IT TO BE A FRAUD EVENT TO GET MONEY FROM MEFROM ME. THEY ARE GETTING MOST OF THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE THEY KNOW MY BANKING NAME, MY PAST EMPLOYER AND MY SOCIAL SECURITY NUMBER AND I WOULD LIKEFRO ALL THIS TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX account balance was XXXX. ACH payments of XXXX and XXXX came in. Bank paid XXXX and charged my account.. I want that fee refunded. I am not asking for a courtesy refund. This is a bank " flaw '' in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: MA
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:
Equifax is reporting the XXXX  XXXX XXXX account on my credit report as a charge off and this is incorrect, I need equifax to fix this problem because this has affected my credit score really bad. There is also a balance on this account and this is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My employer XXXX offers a 401k as part of benefits which is maintained by Wells Fargo. I get paid ( electronically, of course ) Friday of every week. Every week my 401k contributions are deducted and sent to Wells Fargo. For some reason, it takes until the following Thursday before my funds appear and post to my 401k account. Every dollar I contribute to my 401k is being held from my possession by Wells Fargo for 6 days. Are they using it to float short-term loans and keeping the profits for themselves? This practice is unacceptable and unethical.

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 2021-01-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navy Federal Credit Union is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a NFCU representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
This is my 6th venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00}

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 2021-03-23
Company: Commercial Recovery Systems
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021, I received a call from someone who identified himself as XXXX XXXX, a lawyer with CRS & Associates. He informed me that he had been trying to get in touch with my mother regarding a " bad check '' that she wrote nearly five years ago, and he told me that if she did not contact him, he would soon file a case with state court -- he did not mention which state. He told me that he was pursuing the debt collection effort now because the statute of limitation was 5 years, and it was nearly expired. He then said " I probably shouldn't be sharing this much with you, but ... '' and proceeded to tell me which bank that the check had been written from, and the check 's date, the email that my mother had allegedly used to sign the check, and he told me that he had contacted my mother 's place of employment as well. He also told me that he had contacted my father ( no longer married to my mother ). 

After the call, I contacted my father and found out that XXXX XXXX had also disclosed to him that he was making an effort to collect a debt. 

I learned that CRS & Associates was not, in fact, a law firm, but rather a debt collection agency. I also learned that the details which he revealed to my father and me over the phone were in violation of the FDCPA, which only allows debt collectors to request contact and location information from third parties. It specifically does not allow collectors to reveal that they are seeking debt repayment to third parties or to workplaces. 

I have found several reports of unscrupulous debt collection tactics by XXXX XXXX and by CRS & Associates as a whole, and I hope that this report of blatant FDCPA violation prompts an inquiry into their debt collection tactics.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Long Mortgage, A division of XXXX XXXX originally wrote my Mortgage loan and I specifically asked if I could make partial payments on the loan or bi-weekly payments and was assured that I could and such payments would be applied immediately and per the instructions I written on the check or in the notes. Essentially allowing me to pay down the mortgage faster and with less interest being paid overall overtime. Based on The answers that were affirmative I agreed to the loan. My credit score is excellent ( XXXX ), I put done a hefty down payment of {$400000.00} on a {$650000.00} home taking a loan for only {$250000.00} ), and the timing of my loan such that I got a XXXX 30 year fixed loan. 
Subsequently, ( In XXXX specifically, my loan was sold to JP Morgan Chase Bank , NA and I was told that partial payments would be sent back to me unprocessed and that only full payments would be accepted and per the terms of the loan ( principal & interest ). I immediately contacted them via their call center ( XXXX/XXXX/2015 ) and escalated my issues to a senior manager. I was told that my only choice was to cancel the loan. At this point I am in my new house ( it was a new Single family home purchase ) and the rate would not be as favorable on a 30 year fixed. Also we are amid boxes and finding all the documents and starting the entire process which took 45 days and more to complete is not in my favor. 
I finally got an option of going back to the original lender 's back office and having them submit ( in writing ) an amendment stating those terms on my loan and having them send it to Chase Bank. I has now been 2 weeks and I have had no definitive response. I am concerned that my time to change or make a decision will run out. How or waht can I do to insure that I come out whole in this fiasco? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation