BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did an online balance transfer for {$3900.00} with a zero percent promotional interest rate which posted to my account on XX/XX/XXXX. I received an email confirmation that the balance transfer was initiated, but it had no details about the transaction. Nowhere in my online account with the company and nowhere on my statements was there any information regarding the terms of the balance transfer, so I lost track of how long the zero percent interest rate was valid for. I believed the term was 18 months, which matched the paper offers I had been getting in the mail. On my XX/XX/XXXX statement, I was charged {$67.00} interest on a balance of {$4800.00}. 

I called the company and spoke with a customer service person, who was unable to assist and passed me on to a supervisor. He researched their system and advised me that at the time of XX/XX/XXXX, the promotional interest rate offers were only good for a 12 month period. This should have triggered interest to start accruing on my XX/XX/XXXX statement. He could not offer an explanation of why there was a 2-month delay for the interest to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Constantly my amount is going up, i let them know that my kids and are displaced in a transitional housing for the homeless, i get email, calls i thought i paid dwn my interest but its still high i feel im being rip off. They keep changing the agreement and intrest its enormous, they are causing such pain and lost that i dont know what to do with this.help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1400.00}, {$0.00}, {$1800.00}, {$1300.00}, {$2700.00}, {$2600.00}, {$0.00}, {$22000.00}, {$0.00}, {$19000.00}, {$790.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$790.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
ON XX/XX/XXXX I HAD MADE AN ONLINE PURCHASE TO SAK 'S OFF FIFTH AVENUE. 
I WAS CHARGED TO MY SAK 'S CREDIT CARD TWICE, ONCE ON XX/XX/XXXX, THEN AGAIN ON XXXX XXXX. I HAVE TRIED NUMEROUS TIMES, & SPENT OVER 15 HRS. OF MY TIME TRYING TO HAVE THE ISSUE RESOLVED TO NO AVAIL. EVERY TIME I CALL CUSTOMER SERVICE I HAVE OVER AN HOUR WAIT TO GET TO SPEAK WITH A REPRESENTATIVE, I HAVE BEEN DISCONNECTED NUMEROUS TIMES. 
CUSTOMER SERVICE HAS TOLD ME THE ISSUE HAS BEEN RESOLVED OR THE ISSUE WILL BE RESOLVED IN 3-5 BUSINESS DAYS. THE ISSUE HAS NEVER BEEN RESOLVED. 
EVERY TIME I HAD ASKED TO SPEAK WITH A SUPERVISOR ONE WAS NEVER AVAILABLE, EXCEPT FOR THIS LAST TIME. 
THE SUPERVISOR IS XXXX # XXXX WHOM I FINALLY GOT TO SPEAK TO ON XX/XX/XXXX @ XXXX ; XXXX. 

XXXX PROVIDED HIS PERSONAL EMAIL ADDRESS ( XXXXXXXX XXXX XXXXXXXX ),  AND ASSURED ME THE ISSUE WOULD BE REOLVED WITHIN 72 HRS., AND HE WOULD BE SENDING ME A {$10.00} GIFT CARD FOR MY TROUBLES WHICH I NEVER RECEIVED. I HAVE ALSO EMAILED DIRECTOR OF CUSTOMER SERVICE, & THE PRESIDENT OF SAKS TRYING TO GET THIS MATTER CORRECTED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20
Company: Kross, Lieberman & Stone, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received notice of unpaid debt to XXXX NC on XXXX XXXX. XXXX was paid by check on XXXX XXXX, cleared XXXX XXXX. I have asked by letter the collection agency to verify the debt, they have not done so and have continued to call and write me, despite my letter requesting verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested from CAPITAL ONE a statement or the letter of approval from the year XX/XX/XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to XXXX XXXX IN XX/XX/XXXX. 


I NEED from Capital One WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN CAPITAL ONE I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( AD ASTRA RECOVERY ) twice under XXXX different account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A delinquent account from Consumer Adjustment Co in the amount of {$570.00} appeared on my XXXX credit report on XX/XX/2020. I had received absolutely no correspondence regarding this debt from the company and have sent them a letter stating such. 

I had absolutely no knowledge of this debt and had received absolutely no correspondence until it appeared on my credit report. 

I have sent letters to the company but they have been unanswered. 

The company is Consumer Adjustment Co XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a charged off American Express account that I am trying to take care of. 

I have been working with American Express directly and one of there collection agenecies out of XXXX called XXXX XXXX, I believe. 

I have been trying to reach a settlement agreement with them for quite some time since XX/XX/XXXX till today XX/XX/XXXX. 

I have been offered as low as XXXX to settle the account but they will not put the settlement in writing. I have been told numerous times by American Express representatives that I have to agree to an immediate check by phone and then they will send me the terms of the offer. 

I have explained to them I would like to know what Im agreeing to before paying them. I believe this is a violation of the truth and lending act, due to the fact the will not put the offer in writing. 

Further more I was threatened with legal action several times as well, with Im not sure they actually have the intention of doing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Have been trying to contact Conduet/ ACS for the past several months and there are no valid numbers. I also referred to some old correspondences from ACS but none of the numbers are working. I am trying to get some information regarding a loan listed on credit report. My login information is not valid and nothing is working to help me get the information I am seeking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover offered a balance transfer with zero percent financing for 18 mos. I applied and was approved on XX/XX/2020, received email verification. Prior to receiving an actual card with terms and agreement Discover open an account, processed the balance transfer. I attempted to make an immediate payment but was blocked by Discover and told an account number was required to open an online account, I can only obtain account number from the actual card which I had not received. Discover claimed the card was sent regular mail with a tracking number and their package did not require a signature. I informed Discover I did not receive card and tracking is showing mail was being held at the Post Office. Discover refused to contact post office to see what was going on, and/or issue new card told me to wait. Thirty ( 30 ) days later I still do not have the card, Discover is refusing to set-up an online account on my behalf and had not resolved this  issue with full knowledge a payment is now due. Discover is engaging in an deceptive business practices to generate late payment fees and interest. I want CFPB to enact or enforce laws to prevent this type of blanant deceptive business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: PA
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 found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. XXXX accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
When I established my Robinhood ( RH ) investment account, I funded it with a direct XXXX XXXX wire transfer. From my XXXX XXXXXXXX XXXX ( XXXX ) to Robinhood. There were two transfers : XX/XX/2020 {$100.00} and XX/XX/2020 {$1000.00} for a total of {$1100.00} which was used to make two purchases of XXXX and XXXX stock. Subsequently, those stocks were cashed in and then the trouble began. Once my RH account had waited for the monies to clear and be available for withdraw ( back to the original XXXX that funded RH ) I attempted the transfer and was given an error message 'Account withdraw disabled '. I reached out via email ( the only way apparently to contact the RH ) 1st attempt XXXX Case # XXXX and again on XXXX Case # XXXX. Both requesting RH remove the bank restriction so I'm able to complete the transfer but I've never gotten anything other than an automated email response saying they received my email, some hyperlinks suggesting self-help, and if further help is needed to respond. I have to in both cases responded additional help is needed yet no further follow up or response from RH has occurred. My monies are still trapped unable to be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: AZ
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 don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Experian has 4 collections showing open accurate from XXXX XXXX for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  and XXXX  have these same 4 accounts as closed. I think these should also be closed on my Experian 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a dispute letter in XXXX to remove inaccurate information from my credit report and it is XXXX this account is still reporting on my credit report and i have not heard back from them

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 2020-08-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my credit file. see list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate this account. in pursuant to the FCRA section 6099 ( A ) ( B ) ( C ) I would like the name, email address, the addressed telephone number of the person who furnished and verified this derogatory information with transition. further I am requesting verification the amounts of any and all payments that led to this alleged debt being placed on my transunion consumer profile. al information pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, tx XXXX. I am disputingand requesting information on the following accounts. account name XXXX XXXX. account name enhanced recovery XXXX XXXX. account name XXXX XXXX XXXX. failure to properly investigate the accounts listed above will result in a " non verification '' which requires that the inaccurate information be immediately removed from my credit file. if any items return as verified please provide all records in regard to the FCRA section 609. I also  understand that the Fair Credit Reporting Act -specifically 15 USC section 1681i ( D ) AND 1681 J- requires that I receive both written notification of the appropriate corrections and updated credit report at no charge. thank you for your attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Got a return payment from a company because the original card form of payment I used wasnt available any more when I went to the back the teller discriminated against me and didnt want to give me my money when I called the bank they said my money was available and there was no issue they said it was the teller discretion then they called me a couple days later to close my account

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 2015-09-24
Company: Amsher Collection Services, Inc.
State: NC
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:
XXXX XXXX tells me I owe {$620.00} over 8 billing cycles ending XXXX/XXXX/2012. They have no evidence that I ever asked for their services, I signed no contract and I do not owe them. This is my residence in XXXX, but I live in XXXX. I offered to pay {$50.00} to settle with them, and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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:
ok back in XXXX i had several loans out then i finally got them all consolidated with fed loan i have talked with fed loan reps and they see the problem and tried to help me but since i had so many seperate loans for being consolidated it was exhausting..so i was finally told about what deferments was because i had lost my job and was unable to pay so i got them and everything was ok i was supposed to every year get another one so i moved to another state and my deferment ran out i didnt recieve a notice or anything about i need to get another one finally my mail caught up with me but by that time i had been without deferment for 90 days quickly fed loan reinstated my deferment with no problem but would not remove my late pmts now since i had so many loans it shows on my credit like 8 missed pmts or maybe 10 all im saying since these loans was consolidated shouldnt i just have one missed pmt of 90 days instead of 8 to 10 which now like with XXXX  XXXX is seriously stopping me from getting a mortage all im asking is why should i have so many missed pmts it degrates my credit with so many missed pmts i acknowledge the missed all im asking is why so many consecutive have to show instead of just one missed pmt of 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Finance is the servicer of my loan. Selene refused to properly complete a loan modification review for me prior to completing foreclosure of my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. My home was sold for substantially below fair market value and Selene XXXX have refused to rescind the foreclosure to complete my review as is required by the OCC Remedial Framework.

Company response to consumer: Closed with explanation