BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: Velocity Portfolio Group
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:
After receiving notice of Identity Theft Affidavit, CKS Prime Investments is in voilation of FCRA 623 ( 6 ) ( A ) ( B ).

CKS Prime Investments is reporting an account on my credit reports that had fraudulent activity that has been reported. Although they have been notified of this and provided with the documentation, they only changed the status to closed on the account reporting but they have not removed the account.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice of Dispute includes the following account : CKS Prime Investments Account : XXXX {$530.00} Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) & FRCR 623 6 ( A ) ( B ), you have the duty to remove your credit listing after being notified of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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:
I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXX XXXX via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via 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 explanation
Consumer complaint received 2020-03-12
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being harassed by a collection agency named Conrad Credit. I have disputed this account with the credit bureaus and XXXX and XXXX have deleted the negative reports from my name. This is not my debt and I have no knowledge of it. This company is calling friends and relatives threatening them while inquiring about my whearabouts. Since this has been disputed and resolved by XXXX  and XXXX since they were unable to verify this debt they need to stop harassing my friends and family. They are in violation of my rights in California

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear WellsFargo and XXXX XXXX ; Listen, you were required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is  your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-10-10
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 XXXX I purchased a XXXX cruise thru Travel agency XXXX. Within two hours I notified XXXX that we were unable to fly to XXXX because of XXXX XXXX restrictions. 

I'm requesting your help settling this matter with a refund or credit. 

On XXXX I purchased a {$1400.00} XXXX cruise ( booking number XXXX ) and Insurance {$160.00} from XXXX 's XXXX XXXX ( XXXX ; XXXX ) for later that month. Within two hours, thru the XXXX website, I learned that my wife and my two covid shots ( 2 each ) were over nine months old and we were considered " unvaccinated " by the XXXX government and thus we were not allowed entry. That same afternoon I notified XXXX XXXX that we were unable to fly to the cruise due to COVID restrictions. After multiple communications with XXXX, XXXX, and XXXX ; no credit or refund. 

I have purchased three previous XXXX cruises with my family and loved our experience. 

I'm requesting your help settling this matter with a refund or credit. 

Timeline and additional details below. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline & details : XXXX XXXX purchased XXXX cruise, booking number XXXX, for 7 day XXXX with insurance. 
XXXX XXXX our vaccine status doesn't allow XXXX flight reservation. 
XXXX requested refund from XXXX. Advised that XXXX denied refund. 
XXXX Requested insurance refundapproved. 

Requested refund from XXXX cardapproved and then denied. 

Prior to the cruise date upon receipt of confirmation email from XXXX. Called XXXX XXXX to notify them that we are unable to purchase airline tickets to XXXX due to vaccination status. XXXX rep made a note in my record. 

XXXX rejected my request for refund for the second time. 

XXXX XXXX promised refund in two billing cyclesXXXX Service Request # XXXX n't happen. 

XXXX XXXX  rep directed me to only communicate thru XXXX. 
XXXX XXXX XXXX email XXXX promised refund in two bill cycles. Didn't happen. 

XXXX. Email to XXXX XXXX XXXX of XXXX looking into it XXXX. Email XXXX from XXXX XXXX checking with 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 monetary relief
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company called XXXX XXXX XXXX XXXX They sent me a letter asking for a payment and not proof. So recently XX/XX/XXXX I sent them another letter asking for more proof or else I will have to file a suite against them. Still nothing. I too reached out to the credit bureaus for reporting this false information on those same dates. Including XXXX on all three Credit Bureaus. Transunion, XXXX and XXXX. This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

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 2015-05-12
Company: CITIBANK, N.A.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card
Issue: Billing statement

Complaint:
TD Bank issues and extends credit for Nordstrom branded credit cards. The periodic statement issued is misleading. On page XXXX of the periodic statement, they offer payment options. It states " We offer many convenient ways to pay your bill - pay by phone at XXXX .... '' When you call this telephone number you do not ever get an option to speak to a representative or receive an option to pay your bill. When the telephone number is called all you hear is advertisement/solicitation XXXX after another, nothing else. For example, I called and I heard advertisements/solicitations for XXXX, XXXX XXXXXXXX, XXXX XXXX, multiple vacation offers and coupons. Never once were you given an opportunity to bypass these ads or given an opportunity to pay your bill as stated on the periodic statement. 

This is misleading, unfair and deceptive to consumers. For example, I do not have possession of my physical card and would like to pay my bill. I ca n't set up bill pay with my financial institution as I do not have the full account number. I ca n't choose online payment at norstromcard.com as I do not have the full account number. My only options are by phone or mail. Due to the timing and not wanting to incur a late fee, I chose pay by phone. It feel like a bait and switch by telling consumers they can pay at the aforementioned telephone number and that number is actually just solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
So, during college we were always fed this dream that we would make enough to make affordable payments plus our living expense 's. I really tried hard at school and graduated although I had a XXXX. I 'm happy to say that I also work for the XXXX but it happened by a freak accident through a other company I was working for was bought by the XXXX. So, the first payment I maid in XX/XX/XXXX or XX/XX/XXXX was because of my taxes XXXX. As we got further into my job I noticed thing were not what they seemed due to payment I could not afford it at all. We are talking XXXX to the XXXX range including my rent, car, utilities and necessities had a XXXX and his sick father that I was taking care of do to XXXX and still do it. I 'm basically homeless living with my parent do to debt and my son fathers illness making XXXX an hour going on 4 years and started at XXXX an hour you do the math. Trying to stay together. I 've been putting holds on my account now since I knew there was no way of paying at this rate. I thought the XXXX was supposed to take me places ... not this way can not make it. They will not make lower payments at all I have tried. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was advised by my loan servicing company, Ocwen, that my homeowner 's insurance had expired. This is inaccurate, and they decided to " sign me up '' for their in-house insurance. They have now added an additional $ 120 monthly fee to my mortgage. I have tried to call, fax, email them several times. I have been unable to reach them to clear up this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX @ XXXX on out side atm south of main front doors I made a deposit of {$1900.00} Denominations of 16 # - {$100.00} Bill 's and the remaining smaller Bill 's.

1.atm counted the amount and showed it on my screen {$1900.00} 2. Ask me how I wanted my recipe email, no recipe, print. ( I selected print. ) 3. atm screen showed finalizing transactions.

4. A shuffling noise came from a deposit slot area followed by ATM stating that the ATM is not available for use I can contact customer service or use mobile app banking.

5.No recipe was printed from atm.

erro on screen did not correct it self.

6. Walk to my truck ask my wife to check our bank account online and no deposit was made to our account the computer crash caused something unexpected to happen within the machine itself and the cash got jammed up physically somewhere in the atm.

7. At XXXX called chase bank and Immediately filed a claim they told me I will have a credit in 12 hours. No Credit was issued by following day so at XXXX XXXX presented myself to that branch to speak to XXXX banker at cheese bank and he called End to get further clarification to my situation. 

chase claims department. mentioned they need to send a service technician on Monday to open up the ATM to locate funds in order to give me a credit on Monday I spoke to general manager he called in to check on status I was told I was going to have to wait 10 to 30 days for an answer on the investigation done by the chase back office I would get different responses from different reps ok n every call.

8.On the XX/XX/XXXX Investigation determined that there is no money found that there was no found money in ATM No one is able to explain to me how the investigation was determined what causes ATM to mount function how they came to a conclusion with no money when I tangibly placed money into this ATM. 

Banks should have controls in place to catch a discrepancy in the machines ' expected balance ( based on beginning balance, activities, and ending balance ). They have not treated this situation seriously.

An extra {$1900.00} in the machine after the cash count should jump out immediately at whoever counted it. The fact that it didn't is Questionable.

Per my researchThe audit process would be the beginning count sheet plus deposits less withdrawals per the machine = ending balance. Plus whatever other controls they have in place ( one person counting ending cash while another person runs tape for the expected balance. I ask to have the cctv footage of every single cassette and if all cassette in atm where checked and they refuse to pull tape. or give me a A solid reason how my money just disappeared after ATM deposit. My last conversation with Chase Bank representative on XX/XX/20 Was to file a police report and to have them subpoena the video footage. I have filed a police report with the local sheriff 's department and waiting on a callback.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/22 I Called to get information from my existing mortgage lender ( New Rez ) about home equity loans, asked for information several times from XXXX XXXX mortgage consultant # XXXX but instead he ran my credit and started a new mortgage application which I did not authorize or consent to. I asked him for the info and he became agitated and said why I asked him about the home equity loan if I wasnt going to apply. I called New Rez to put in a formal complaint and no one has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I put a stop payment on a checking account ending # XXXX. Truist bank been trying to pull my mortgage through the wrong account and overdrafting my account. They end up sending the money back to me XXXX. I transferred that money to the correct checking acct ending in # XXXX through my bank XXXX. I called truist and made a payment which got pulled XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX. Truist notifies me they never got my XXXX XXXX and started hitting my credit and account with late fees. I called Truist for them to investigate and XXXX way in my bank on the phone call to talk to the Truist representive. XXXX faxed documents to Truist and representative made a complaint which nobody followed up. I called in XXXX to make my payment the rep urged me to make my payment and promised to put it on hold until the investigation was over and they back drafted my account. That never happened. Truist applied that payment to XXXX now nobody is investigating the blatant stealing from my Account and never fixed the issue in XXXX so that Truist can be accountable for the several errors on their part. I sent documention and waited XXXX months for a investigation into this matter. I need help please look into this shady matter. I know you if you look into this you will find a big company taking advantage of a customer.

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 2020-03-20
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In general a debit card was opened in my name without my permission. I guess it was done because I didnt opt out of it. Not only was this unwanted but it also dropped my credit score. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have actually tried working with this mortgage company for almost XXXX years now ( as have many others ), I have filed for loan modification which was a waste of time and effort and resulted in several more months of additional reasons of non-acceptance of paperwork, which is very hard for me to do, and thousands of dollars more owed as they would accept no payments or funds from us but kept adding not only paymrnts, but fees, insurances and other amounts as they like. 

But on to the next chapter and questions as I am done fighting that which is like hitting your head against a brick wall, they have is a reason for everyhing, regardless of if it makes any sense or not and I am not well enough to keep this up. 

What I need to know and can not get answered is this question, again of which the answer may involve many thousands of dollars. I can not get an answer. I do not think ghe wuestion is difficult but it is extremly important to have the correct answer before we proceed. Specific question follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, 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:
This account has been closed as of XXXX, the credit bureau is still reporting past due and last payment in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX XXXX XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a capital one customer since the beginning of time and have always been a good customer. 

I usually pay all my cap one accounts online. I have never known to pay any other way. 


On Saturday the app kept glitching shutting down on me throughout the day and the customer service hold time was more than a hour. 

I was finally able to pay the minimum balance due online on my due date and was still hit with a late fee of {$40.00}. 


You can not charge me for a late fee when I paid online on the due date. Its not right or fair. 

Capital one should be ashamed of themselves trying to further Put me in debt. 

I want the fee waived and off my account. I tried contacting customer support and they were all rude and unhelpful

Company response to consumer: Closed with monetary relief