BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-18
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I Called American Express to confirm that an {$85.00} charge for a XXXX Precheck fee would be covered as a perk and credited back to my account. I was told by a representative that answered their XXXX number on the back of my credit card that the charge would be credited as this was a perk of my Platinum Optima card. I made this call because it was n't clear from their website which cards were included in this perk. After receiving my bill with the {$85.00} charge and no credit I called again to ask when I could expect the credit. I was told to wait a week or so while a supervisor investigates my claim. About a week later I received a voicemail from the supervisor stating that there was no record of my original call and therefore I would not receive my credit since I was incorrectly told it was covered on my card. I immediately call and talked to XXXX XXXX ID # XXXX. He also stated that due to no record they would do nothing to credit my account. I made this purchase on this card based on the fact the I confirmed with AMEX that it would be a credited charge. I did not dream or imagine that this call happened, and while I wo n't profess to understand how their call log system works, I talked to a live AMEX rep, was put on hold while she confirmed the perk with her supervisor, and was then told that the charge would be credited and to go ahead with the charge. I have been a perfect customer for years and am livid that AMEX would not stand behind what its representative say, and that they would expect a good customer to pay for a failure on their end. While I 'm sure their systems are generally accurate, their failure to record my first communication with them, and their denial of it happening, is essentially the same as calling me a liar and holding me accountable to pay for their mistake, which I refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo diverted funds that were earmarked for my line of credit loan. Wells Fargo claims that 6 years ago, I missed an insurance payment and deducted {$440.00}, from my loan payment. I've disputed the claims, and received an XXXX page packet of useless information. I've noticed that my complaint is moved from person to person at WF and, they all have the same phone number. 
By diverting the funds from my loan, Wells Fargo is guaranteed to earn interest on the {$440.00}. Over 15 years this interest could be {$400.00} or more. Conflict of interest. 
I haven't been able to get the exact amounts, or dates. As far as I can tell, on XX/XX/2021 Wells Fargo deducted {$300.00} from my loan payment. On XX/XX/2021 Wells Fargo deducted {$140.00} from my loan payment. 
I have excellent credit. Wells Fargo is trying to say that I've made every payment that I've ever owed except for this one. Obviously false.

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 2021-12-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX 2016 at XXXX I received a call from a XXXX. She introduced herself just that plainly. She was very casual and stated " Hey this is XXXX can you talk? '' To which I replied " yeah what 's up? '' Thinking I was talking to one of my friends named XXXX that was in need. This particular XXXX then confirmed that she represented National Credit Adjusters and proceeded with confirming my address. She spoke very quickly so I asked her to repeat who she represented. I then ended the call out of intimidation and did not wish to handle my account with a representative that works in a fecious manner as such. The next day the same XXXX called in a casual fashion this time failing to tell me who she represents and the purpose of the call. On this call, after telling me her name she immediately asked why I hung up on her the day prior. I was about to ask her if her conduct was legal but stopped myself and explained to her that I can not afford to make a payment at this time and would appreciate her to cease her calls. Which was a untrue statement but made under pressure. XXXX proceeded to chuckle laugh on the phone after that and apologized for trying to help in a sarcastic tone before hanging up. Neither phone call did XXXX properly introduce herself nor was I given a disclosure of the purpose of the call before proceeding that is standard. I do anticipate making a payment to avoid this collection going to the credit bureaus as I have done in the past. Because of such unprofesisonalism, I failed to have the opportunity to tell the agent that I have recently lost my job and am actively seeking full time employment. I take my credit very serious as a victim of child identity theft in the past and would appreciate a more mature handling of my debts/secure information than what was received from XXXX from National Credit Adjusters/XXXX ( Caller ID name ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has a policy of making it as difficult as possible for consumers to dispute charges, most likely because the merchant is being compensated in some manner or other for doing so. Aside from not allowing consumers to provide any details regarding their disputes in Capital One 's online dispute forms or to submit messages electronically -- either securely through their online accounts ( a feature which existed previously but has recently been eliminated by Capital One ) or via email -- the merchant has a policy of both requiring supporting documentation prior to submitting a claim and also permanently rescinding credit issued in connection with claims as soon as said claims are disputed by the merchants in question without giving consumers a chance to rebut the merchants ' response. 

On XXXX I submitted a dispute ( Case # : XXXX ) in connection with a charge for {$2000.00} from XXXX/XXXX/2016 against an attorney who had actively assisted the State of Florida in retaliating against me for trying to call attention to abuses which the State of Florida systematically inundates HUD Programs with in order to undermine the Civil Rights Act, made possible by the criminally unethical practice of allowing County Judges to adjudicate landlord-tenant disputes involving HUD rules without being qualified or authorized to do so -- even in circumstances where County Judges are specifically requested to disqualify themselves from such cases because of the financial ties which all County Judges must have to any landlords who participate in HUD 's programs within any Municipality wherein HUD 's Programs are not fully privatized. Despite the vast amounts of evidence I sent in via fax detailing at great length the unethical conduct of the attorney, Capital One rescinded the credit issued in connection with my dispute on XXXX/XXXX/2016, immediately after the attorney disputed my claim. 

On XXXX I submitted another dispute ( Case # : XXXX ) in the amount of {$310.00} against XXXX XXXX for the abuse I was deliberately subjected to during a XXXX/XXXX/2016 flight from Florida to Georgia for no other reason than being a low-income minority. Before even submitting my claim to the merchant, Capital One demanded supporting documentation, subsequent to which the credit issued in connection with my claim was rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I 've had two different instances where Capital One did n't process my payments within 30 days even though it was received within that time and STILL decided to report it to the credit agencies as a 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
Please kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX Attached is the proof I owe 0 $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Duncan Solutions, lnc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is a Third Party collector called XXXX ( Professional Management Management ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX, I received their threating letter on XX/XX/21 a collection notice for XXXX dollars stating that XXXX XXXX Police XXXX got a citation fine for parking more than 2 hours in the inlet. I called customer service to dispute the charges or/when and how this happened. 

I called today XX/XX/21 and spoke to customer service and stated that this was for XX/XX/21 which was accurate, but I stated that I paid my ticket there. So, I requested to be waive off as a first time, something that it was not possoble according to them, because it was overdue. 

I said to them that I never received the 2 dollar differencce bill in the mail requesting that hour to pay it off. XXXX claimed that they sent me previous notices in the mail to my address in West Virginia which is a lie. I never received anything in the mail previously. This is a complete scam and needs to be investigated inmediately. There are hundreds of complains already. I hope you can do something about this to protect custumers in this country. This company is ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: SQUARETWO FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO has been reporting a collection on my account in the amount of {$500.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent all Ftc violation They just updated Are The company XXXX the Ftc? 
Do they make decisions over what the Ftc deem violations?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I paid the debt in full. I was never sent a letter in order to validate the debt prior of payment. I was forced to pay at the time in order for me to get my apartment rental contract or I would be stuck without a place to live. They are collecting on behalf of XXXX. I never received letters from the debt collector. My apartment manager told me " you have an unpaid collection and it must be paid in full prior to move in ''. I was not aware of any collections on my credit report. They are reporting on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I tried to do a wire transfer on Chase.com website on XXXX/XXXX/15, which was not possible. When inquiried with their customer service, I was told their system was down and I had to go into a local branch. After rushing into a branch to make their wire deadline, they first attrmpted to charge me more for coming into the branch. I had to fight my way to credit me for the wire. I then found out at the end of the day that they sent out a duplicate wire due to their system malfunction. I have been trying for the past XXXX days to get my money back with no end in sight. All I get is a run around if I call. I was given a case # to start a " best effort '' recall action with no result. They said this was an error on their part but they just apologize for it while I am out of pocket.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular XXXX payment was actually applied to XXXX. Then XXXX to XXXX and so on. We went along like this until XXXX when we were denied a mortgage refinance. We rectified the mistake, but still have XXXX, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. 

We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming XXXX. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After spending a total of 2 hours with Capital One 360 between XX/XX/2017 and XX/XX/2017, they were not able to assist me in opening an account. They were having " system errors '', whether or not that was because they did n't want me as a client again, I am not sure - possibly based off my income or other personal characteristics of myself. I was intrigued by a {$200.00} offer I had received in the mail to open a new account. When I went to open the account online, like I mentioned their was nothing but errors and no one would help me. They blamed it on the multiple browsers I was using ( XXXX, XXXX, XXXX etc. ) ... and then even had the audacity to ask me who my ISP was. Finally at the end of my calls they were still not able to help me open an account and yet they did tell me I was n't eligible for the {$200.00} promotion on top of it. I feel like Capital One 360 really does n't have their business together and is playing with deceptive marketing practices. If they really cared about anyone 's business they would allow me to open an account and provide me a {$200.00} promotion. Now I have nothing nice to say about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. 
After a month, with no explanation forthcoming, I called Capital One on XXXX XXXX, 2015. Again, I got no answer, despite talking with a manager. He said they were " investigating ''. I asked what they were investigating and got as a reply " a data breach ''. When I asked where, I got no response. 
Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. 
Please help me find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I discovered an unauthorized non-Chase ATM withdrawal of {$160.00} from my business checking account ending in XXXX made on XX/XX/2021 which was a day I never left my house. I made a claim of fraud on XX/XX/2021 and suggested the XXXX gas station I used on XX/XX/XXXX may be where my debit card information was stolen. 

Within only a few days the bank denied my claim and when I called to ask for information on the withdrawal to attempt figuring out what happened the representative told me they can not provide any. I asked if I could appeal the decision but that isn't allowed so am now filing a complaint here.

Company response to consumer: Closed with explanation