BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection.

I sent a cease and desist letter XX/XX/XXXX.

Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau refuses to block incorrect fraudulent information showing 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 2021-03-02
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: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have sent several letters and called all 3 bureaus about these inquiries listed on my credit report. I was told over the phone they would be removed but at this time it is still reporting. I believe my information was compromised in 2 credit breaches and I have not received a response from the credit bureaus regarding this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Direct Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Voice message attached. It violates FDCPA. The caller did n't identify the company she represents. purpose of the call and that the purpose of the call was for debt collection purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: IL
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:
Equifax has been notified by letter, fax, and phone calls over 6 times for year 2020 to remove address. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For my entire life i have lived on the opposite side of america and never in california. That is on the opposite side of the world. 

I have even printed off and faxed my bank statements and spent over XXXX dollars and 2 years trying to get the address removed. I have never been or lived at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Spending all this money and nothing being fixed from someone else doing fraud. 

Equifax has sense acknowledged it was fraud when i submitted my last complaint to you. If you pull it up they admit to it. But has done nothing to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an alert that my credit score had dropped. Apparently dropped 17 points. I went to check my report online ( Experian .com ) and there was a credit card added an XXXX of debt added. 
a ). could not find the added entry compared to XX/XX/XXXX, credit report same number of entries the balances were lower. 
b ). I went onto the chat and inquired why the change and the Experian person said - I need to contact the bank and talk to a credit person. 

Here again, I checked all figures logged back on credit score changed again up 7 pts. 

I have been paying everything down. Last month I even paid off an account. I have not added anything to my credit. Always paying it down. 

Why has my credit score taken a hit for as far as I can see my debts being paid DOWN. 
No new entries? Why?

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 2015-10-22
Company: AR Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AR Resources is a collection agency trying to collect on a debt in which I 'm have no knowledge of. I have disputed this debt with the credit bureaus and have sent several letters reaching out to this agency to try and resolve this matter. They have never responded back to validate this debt and continue to negatively report this account on my credit causing me damages such as being denied by several lenders. The reporting of debt that has not been validated per the law is a violation of the FCRA and I 'm seeking further assistance to quickly resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
My credit card had a XXXX address. 
In XX/XX/2016 I accepted a temporary work position in XXXX. From XXXX onwards, the only charges that were made on my credit card were in XXXX, or on the way to XXXX. No charges were made in XXXX after XX/XX/2016. 
At the end of XXXX I contacted Capital One and requested that they send my monthly statements to me in XXXX. A week later they froze my account for " suspicious activity ''. This suspicious activity turned out to be my address change request. 
After speaking to multiple " fraud specialists '' ( ahem! ) to resolve the issue, I decided to stop using the card. I was told that in order to obtain the rewards owed to me, I would need to speak with a manager of Capital One. A specific appointment was made for this to happen on XX/XX/XXXX at XXXX EST. Capital One chose not to keep this appointment. 
Capital One will take my final payment, but wont release my rewards without manager approval. It makes no sense. Actually nothing that Capital One has done during this fiasco has made any sense. Capital One has since changed the address on my card to my XXXX address! And this is the suspicious activity! If I had not made this address change request, my account would not have been frozen. 
I would like help in obtaining a check for my rewards of {$250.00}. At no point has Capital One said that these rewards are not due to me. But they said it has to be approved by a manager. I have run out of patience trying to deal with Capital One on an issue that they have handled very poorly from the start.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02
Company: Self Financial 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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect item on my credit report. its has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I contacted Citizens Bank Of MA in regards to XXXX overdraft fees that were issued to my account that I would like waived, I check my account every day ( sometimes twice ; morning and XXXX ) and the transactions were not posted. ( Previously I was instructed if my account was ever to go into the negative as long as the money was transferred the same day then I would n't incur a fee. The next day when I checked my account and saw it was in the negative, I immediately transferred the necessary funds. After calling the bank and speaking to a supervisor, who told me that sometimes charges post overnight they still are not responsible to give me back the XXXX {$35.00} overdraft fees because the dates that is shown for the posted transactions and the next morning transfers are different. In addition, to the supervisor being very curt while indirectly admitting his bank post transactions after business hours which led to false overdraft charges that did n't post until 2 days later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
To Whom it May Concern. 

I had an established PayPal account that was terminated unfairly. Under PayPal 's Terms and Conditions, I believe I did not violate anything to cause my termination. The response that I was given from Paypal was the following : Our decision is based on one of these reasons : 1 ) You provided information we believe false, inaccurate, or misleading. 
2 ) You sent or received money that could be related to fraudulent activity. 
3 ) You have more than XXXX account with a negative balance 4 ) You are in violation of an agreement you have with PayPal such as the User Agreement, the Commercial Entity Agreement, or the Acceptable Use Policy. 

On XXXX XXXX of this year, I bought XXXX Gift XXXX on XXXX separate eBay accounts ( both under my name ), with the same PayPal account. In no way is this a violation of PayPal 's Terms and Conditions. 

When my PayPal account was limited and I was prompted with the form to explain my two transactions, I told the truth that I used eBay gift cards to buy XXXX gift cards. 

The main issue I now have is that I have XXXX eBay gift cards, each for {$140.00} that are tied to XXXX different eBay accounts, but I need a PayPal account to actually use said eBay gift cards. Now that my account is terminated, I can no longer use the gift cards, thus losing out on {$290.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
URGENT - Sheriff Sale on XXXX XXXX, 2015Hi. Wells, Fargo Home Mortgage commits fraud. 
I was working on a loan modification and sent in all my paperwork on XXXX XXXX, 2015. 
I was just called two weeks ago and told that my modification was denied because my mortgage was over {$720000.00} ( they knew it was XXXX when I did my documentation XX/XX/XXXX XXXX. I called and then Wells, Fargo XXXX XXXX XXXX XXXX said I was denied because I did not send in a profit and loss on my real estate company. 
I do n't have a real estate company and never received a letter or call on it. 
Then, I was sent a letter saying I was denied because I did not respond to them. 
I did call!!! Now, I get a letter stating that I am under a sheriff sale and sorry " we have not heard from you and there is not enough time for mortgage assistance prior to the sale '' XXXX. This is a lie, they can postpone the sale any time they want to postpone it. 
I just got another letter saying that Wells, Fargo is investigating my last CFPB, and will get back to me XX/XX/XXXX - THIS IS THE DATE OF MY SHERIFF SALE!!!!! 
PLEASE HELP ME. I have written to the OCC, FDIC, FBI, Wells, Fargo Senior Mgt. as well. THIS IS FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Continental Finance Verve Card. Each time for the last three months I have attempted to make a payment on time. Each time my payment bounces. There is plenty of money in my bank account to pay for this, and in fact, the bank is not getting the charge - the bank is not charging me for a bounced account.

Each time, there is a problem at Verve card 's end, where the information I have given them is not the information they are using to get my payment. I believe, since this has happened three times now, and I have checked and double checked that the Routing and MICR numbers are correct -- I believe they are doing this deliberately in order to extract late fees and retuned item fees from 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 2016-10-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I communicated with them and explained my inability to pay. After I explained I could not pay, my accounts were frozen. They would not allow me to change my direct deposit ultimately allowing them to liquidate my account to satisfy my loan payments. I finally was able to change my direct deposit and once they did not have access to funds they began calling me for collection. I further explained my inability to pay the amounts they asked for. I began getting back to back calls. Once I blocked the XXXX number they were calling from, I began getting calls from a local XXXX XXXX XXXX area code number. They also got data from a 3rd party source because they began contacting my mother. She was not listed on my loan, she did not co-sign for it, nor was she listed on any of my accounts as a verified contact. She got calls on her cell and at work. I sent a letter asking for them to cease communication with all of her numbers ( work, work extension, and cell ) along with mine. The calls continued for another 3 months until they charged of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2016 I contacted my mortgage company to assess my options to address the unpaid balance for XXXX and XXXX. I completed all necessary paperwork request for underwriter to review. On XXXX/XXXX/2016, a third party person was sent by Wells Fargo to hand deliver to my home an envelope to ask me to call " Mortgage Company. '' The third party person entered my condo complex ( on the inside ) came up the stairs to my condo unit and hung on my door " The important '' Note. This scarred and frightened me that my mortgage company would hire a " thug. '' to come into my home. I was not at home, but when I came home I found envelope. The third party person did not leave their information. When I contacted the preservation specialist I had just spoken with 2 days earlier and completed all necessary paperwork, she could not give me the name of 'Third Party Person. '' All she could say is that they hard hired a " third party person '' to come to my home. Very very much afraid this person came into my home. My condo unit is shared by XXXX other person. My mortgage company put me and XXXX other people at risk of harm by some " third party person. '' I am very much afraid that they have done this to me. Please help as this does not seem accurate.

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 2016-02-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My sister went into a Navy Federal Credit Union XXXX in XXXX Ohio XXXX the staff was very rude and unprofessional.She was told there was a fraud alert on her account she went in the branch to prove we are sisters. I faxed my birth certificate to XXXX while she was in the office the receptionist confirmed it was received. And on the telephone she was told that her marriage license could be used as verification as long as our parents names were on it. I was born before our parents were married and my birth certificate only had our moms name on it but she also had my moms obituary proving we are siblings. We understood the policies and did not mind complying with them but feel she was treated unfairly. I am filing this complaint due to the nature of her experience in the branch..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Annual Credit Report Free from Experian, No can do.???

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 2021-03-03
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have Been having some issues with someone accessing my credit file and I would like to request a credit freeze/block all access to my file and contact me at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: IL
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:
I contacted XXXXXXXX XXXX  and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.

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 2015-08-06
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against greater California financial services because they are illegally trying to collect on a XXXX XXXX credit card debt that is not valid and also past its statutes of limitations. The credit card account was charged off seven years ago and it is not shown as reported on my credit report as of XXXX/XXXX/15. When the company first contacted me last year, they misinformed me who they were staring they were a law firm as a scare tactic. Since then, I have written a cease and desist letter along with a zombie debt letter but they continue to demand payment. Not only are they saying I owe this debt but they are claiming I owe XXXX the amount of the original debt. The original amount was {$12000.00} and now they claim I owe {$24000.00}. I am in the process of re-financing my home but can not move forward without resolving this matter because the company has a lien against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
received emails stating my credit had been ran by XXXX XXXX XXXX  and Barclays Bank but no further contact information was sent

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 2015-05-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX XXXX XXXX XXXX credit cards from XXXX XXXX Bank, XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of ID theft. I need the reporting agencies to remove the information from my 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 explanation
Consumer complaint received 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you.

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