BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I filed bankruptcy on XXXX/XXXX/2015. I check my credit reports and my XXXX and XXXX reports are both reporting inaccurate information. Capital One is reporting a XXXX late payment for the month of XXXX and a 30 day late payment for XX/XX/XXXX on both my XXXX and XXXX reports after I filed my bankruptcy. My bill is due on my Master card ending in XXXX on the XXXX of each month and on the XXXX of each month for my XXXX card ending in XXXX, Capital One is reporting on my XXXX report that my discharge was file on XXXX XXXX 2015, which is inaccurate. I have included a copy of my Notice of Bankruptcy filing for verification. I have called Capital One several time to have them to updated. They have updated but not the correct bankruptcy file date and they are are reporting me as being late. I have never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive repeated calls from this number. They claim to be Capital One and they call XXXX to XXXX times a day, 7 days a week, and it is beginning to be disruptive and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I have XXXX credit card accounts with Capitalone, accounts ending in XXXX and XXXX, XXXX shows as restricted, not sure if closed or not. Please note, I believe this is a deposit account and need security deposit refunded if so account is in fact closed. The credit line is XXXX and I believe this is the amount of deposit left. Account ending in XXXX is past due and payment is scheduled in the amount of XXXX on XX/XX/XXXX, not sure if this account is also closed or not. If it is open, I will need a new card sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
the creditor has contacted and spoke to us 4 times in one day and threaten us each and every time they call and talk to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Cap 360 sent an email on my personal savings account to a family member without my permission and refuses to remove this email address. This has never happened in the past and I have requested they show me proof of removal which they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have written several letters to this debt collector to validate my debt. So far, I have received no response from the debt collector in order to validate this debt to resolved it in a timely manner

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Urgent! 
1. The BANK FORECLOSURE SALE is scheduled for XXXX XXXX, 2016, in three weeks! 
2. The bank is not cooperating with me. 
3. The bank is sabotaging mortgage modification by delaying and requiring more irrelevant documents. 
4. That 's the only roof for my XXXX kids and me. 
5. The bank is causing me severe hardship. 
6. The bank is forcing me to file bankruptcy. 
7. My ex-husband is the borrower on the mortgage and I am the co-borrower. 
8. I am employed and can afford monthly mortgage if it is modified. 
9. I definitely qualify for Obama mortgage modification program. 

I am still in the process of divorce, a XXXX single mom, with XXXX minor children, need your help to save the roof for my kids and me. 

My ex-husband and I have been the owners of the house for almost 20 years. 3 years ago he left the house without any child/spousal support and any help to pay mortgage. The house was put in foreclosure with the BANK FORECLOSURE SALE scheduled XXXX XXXX, 2016 regardless the fact that I found a good paying job, working from home due to my XXXX, and was successfully paying mortgage for many months. 

A couple of months ago the bank told me that foreclosure could be postponed if I apply for mortgage modification but they keep on asking for more documents. I did apply and by now I have submitted close to XXXX documents. In addition, now the bank is asking for my ex-husband 's tax return and income and expense, which he refused to submit. He is unemployed currently and has nothing to do with my mortgage modification application. I am financially sound and I am the one to apply for mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX : Invalid Date of last activity XXXX shows XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number XXXX is showing XXXX and Experian is showing XXXX Also, the date last active is invalid. XXXX shows XX/XX/XXXX while Experian shows XX/XX/XXXX. DELETE this 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 2022-08-28
Company: Experian Information Solutions Inc.
State: OH
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:
XXXXXXXX XXXX XXXX reporting on my experian credit report. I reached out to green dot they cant locate an account under my information. 
Said that they are a prepaid card and dont report to credit bureaus

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: Experian Information Solutions Inc.
State: PA
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:
cant upload documents to website like I should be able to! unauthorized inquiries!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed XXXX accounts with my bank when I moved out of State. The bank acknowledged that I was closing the accounts and provided me with closing statements and checks for the remaining balance in the accounts. Apparently, the bank accounts were closed but the debit cards were not canceled. Subsequently there have been charges made against the closed accounts. The problem started when the bank notified me that the account was overdrawn because a charge on the debit card caused the account to be reopened and the charge paid. After speaking with the bank location where my old account was, the charge was reversed and the overdraft fee was forgiven and I was assured that this would not happen again. I then double checked to make sure there were no pending automatic payments with any entity I conduct transactions with. Since then there was another transaction with the same results. This time the bank can not tell me who charged the closed account other than " an international transaction '' and began pursuing me for payment. I then reported the new charge to the bank fraud department and again asked the bank why the debit cards still remains active. The customer service rep then said it would be a couple of days for the card to become inactive. After many phone calls to customer service, not only have they failed to close the debit cards, there are more charges being applied to this closed account and they are again pursuing me for payments.

Company response to consumer: Closed with monetary relief
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 :

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 2015-10-08
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a surviving spouse of a property held in Joint Tenancy in the state of California. I am on the Trust Deed but not on the loan. I have since filed an Affidavit of death ( By Surviving Spouse ) at the XXXX Recorders office, and title has been placed in my name solely, as allowed by California Probate Code XXXX. Since the passing of my wife it has been difficult for me to maintain payments on the note for the last 2 and a half years on my income alone. After careful consideration, I have concluded that the best option for me at this time is to try and have the lien holder approve a short sale, instead of letting the property go to foreclosure. I am still underwater on the property approximately {$80000.00} dollars, with the majority being owed to the XXXX lien holder. I have a real estate agent and a short sale negotiator working on the file, but the Servicer of the first loan Seterus is holding up the deal saying that I am not authorized on the loan, and that I need to go to probate to get authorization from court to sign on my deceased wife 's behalf. I have consulted with an attorney and I do not have the fees requested in order to file a case. It is my understanding that the purpose of holding title in Joint Tenancy is to avoid probate. The short sale negotiator has informed me that XXXX who is the investor on the loan has approved the short sale, but for whatever reason Seterus who is the servicer only, is denying the short sale. I currently have an accepted offer on the property and would like to proceed with the sale. 
Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company sent me a letter in XX/XX/2017, informing me that they closed my account, and that they have instructed the credit Bureaus to remove it from my credit report. It was removed, and now the company have added it back to my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXXXXXX XXXX XXXX Bank ), XXXX XXXX Bank, XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX CARD, XXXX 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 2017-02-17
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I first requested a credit report thru your website since XXXX 2016. Equifax say they do n't understand my request I guess they have never seen your forms before. They are liars cheats and theives, XXXX. Today for the third time I am sending them clear, legible identification exactly the ones they asked for in XXXX in XXXX. Equifax is playing fast and loose with the law with the intent to profit from the bargain of selling peoples information. Credit bureaus can and have been sued. Now that the XXXX liberals are out of office and the credit bureau should take heed and start to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I, file this Complaint against CitiBanks ( Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ) to recoup from them my funds totalling XXXX XXXX XXXX ( {$31000.00} ) US Dollars. On XX/XX/2022, I deposited to XXXX XXXX Account ending in # XXXX my funds totalling {$31000.00} US Dollars via two separate ACH transfers that have not been returned yet, despite my repeated demands to do so. CitiBank subsequently froze, held, and closed my XXXX XXXX Account ending on XXXX, without explanation, notice, or consent. As of todays date, CitiBank has not refunded my funds, and has not notified me verbally or with a writing detailing : ( A ) the whereabouts of my {$31000.00} US Dollars held in CitiBank Account ending XXXX on XXXX & XXXX, ( XXXX. XXXX - XXXX XXXX & XXXX, Acct # ending XXXX. ), ( B ) the reasons for closing, freezing, or holding my account ending in XXXX without my notice or consent, and/or ( C ) when the funds will be returned to me or what transgressed with my monies. Over two dozen occasions, I have directly spoken with multiple CitiBank representatives over the phone and even visited their XXXX Connecticut XXXX in person to no avail. I have also tried to file a dispute on their Dispute Center, but I am not allowed Log In access to do so. For these reasons, I submit this complaint to aid me demanding on my behalf the immediate refund of my {$31000.00} with all interest accrued to date. 

As follows are the ACH Transfers for the unreturned funds : XXXX - XXXX XXXX XXXX XXXX for unreturned funds : File ID XXXX Individual ID XXXX XXXX # XXXX Ex. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for unreturned funds : Company ID : XXXX XXXX XXXX XXXX Web Individual ID XXXX Control # XXXX Ex. XXXX, XXXX, XXXX I kindly ask that Consumer Financial Protection Bureau intervene on my behalf to help me obtain a full refund of my deposits plus accrued interest earned to date. 
Thank you in advance for your help. Please contact me with questions related to this complaint.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
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 recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I have XXXX XXXX XXXX. I was in the process of getting a new XXXX when I got sick. At that time I was air lifted to a facility in Ga I remained there until XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXXXXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in home health care and physical therapy and found out my XXXX had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This started when SunTrust and BB & T became one bank. The manager at our bank in XXXX XXXX I think her last name is XXXX first name is XXXX she talked my sister and me and her getting a home equity loan we were harassed for months until we finally said yes we went to her office and sign the papers and we asked and got a fixed interest rate of 7.49 % that is the papers I signed out of the papers my sister signed then after she started using some of the money to fix the house up they decided to change the interest rate legally they can not change that interest rate but they think they can and I believe theyre doing this because Im a XXXX individual and they know that so I believe theyre treating me this way because I have a XXXX income being on Social Security XXXX and I feel very discriminated against and I want something done to them if you need any more information please call me my phone number is XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. I requested a debt validation from XXXX and was summarily ignored. I then attempted to contact the original creditor to have the debt validated and was told that they no longer had ownership of the debt. I, again, requested debt validation from XXXX and my request, again, went unanswered. I then filed a dispute with Equifax on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates report and amount owed. The results of the " investigation '' was forwarded to me XXXX/XXXX/2015 and, according to Equifax , the account had been verified. I immediately contacted Equifax by phone and requested documentation showing how the debt was verified as, I had yet to receive any documentation whatsoever after repeatedly asking. Moreover, I explained at great length that the only changes that were made in lieu of my dispute were made by the original creditor to reflect what was being reported by the collection agency. ( see attached ) This change was made despite the fact that the original creditor denied having any documentation pertaining to the account in question because it had been sold. In closing, I would like to point out that the apathetic response I received from Equifax following my dispute, their failure to provide me with necessary/requested documentation, and their complete disregard for the questionable changes made to my credit file following my dispute, is indicative that they never attempted to conduct a " reasonable investigation ''. Needless to say, I would like to be provided with copies of all documentation verifying the debt that Equifax found sufficient. If unable to provide the documentation, I want the derogatory listing deleted from my credit file. Lastly, It is also my hope that the CFPB will take a long, hard look at the way Equifax does business.

Company response to consumer: Closed with explanation